If you’re one of the 6% who cycle to work, whether it’s through busy city streets or along quiet country lanes, our commuter bike insurance is designed for you. No matter the distance or how busy the roads, we know that cycling during rush-hour can be daunting. Even with all the protective equipment, the lights, and reflective jackets, accidents can happen, which is why we think commuter bike insurance is a must.
Please choose the value of your bike to get an idea of fixed premium.
We’ll cover you from
Whether you commute on a folding bike or your pedal has a little extra power and you ride an e-bike, we’ve got a policy for you.
Comprehensive theft cover (at home & away)
Covers theft or attempted theft, whether your bike is at home or out and about, as long as security requirements are met.
Accidental & malicious damage cover
Protection if your bike is damaged in an accident or through vandalism, helping avoid costly repairs.
Repair or replacement cover
Pays to repair or replace your cycle up to your insured value.
New-for-old replacement available for bikes under 3 years old (if bought new).
Flexible payment options
Pay annually or monthly by subscription.
Covers a wide range of cycles
Includes standard bikes, e-bikes (within legal limits), tandems, and more.
High-value cover available
Insures bikes up to £15,000 in value.
Cover wherever you ride (UK + optional worldwide)
Standard UK cover, with optional worldwide protection for up to 90 days.
Optional commuting & competition cover
Extend protection for everyday commuting or organised cycling events.
Cycling accessories cover
Protects helmets, clothing, GPS devices, and more against theft or damage.
Public liability protection
Covers legal costs and compensation if you accidentally injure someone or damage property while cycling.
Personal accident cover
Pays a financial benefit if you’re seriously injured while riding.
Replacement cycle hire
Covers the cost of hiring a bike while yours is being repaired or replaced.
Cycle breakdown assistance
Helps with transport if your bike breaks down or is damaged mid-journey.
Unfortunately bike locks can only do so much when it comes to securing your bike outside work or in a public area. According to the ONS Crime Survey 2020; 81,536 bikes were reported stolen between September 2020 and September 2021. Commuter bike insurance can help you should your beloved two-wheeler be stolen while you are at work or having lunch.
Whether you need a replacement bike, to cover the cost of new accessories or want personal accident cover, our cover can do all that if you choose to include those options.
To get your commuter bike insurance sorted, simply fill out our online quote form. Pick and choose the optional covers you want, and you’ll get a free quotation in a matter of seconds.
View Policy Wording and IPID for Cycle Insurance
If you have any questions about anything regarding our commuter bike insurance policy, please don’t hesitate to ask To speak to our experts and find out more, call 01653 916642 or email info@ala.co.uk.
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