For those who prefer to explore the great outdoors on two wheels rather than four, road bike insurance is an absolute must. Taking to the open road is exhilarating, and relying on pedal power means you have even more time to soak up your stunning surroundings. Come rain or shine, every weekend the UK’s roads are full of cycling enthusiasts donning the Lycra, hopping into the saddle and striking out into the fresh air. Whether you prefer a gentle trip out into the countryside or you fancy yourself as the next Chris Froome, it’s only natural that you’ll want to protect yourself as much as possible. That’s where road cycle insurance from ALA can help you.
Please choose the value of your bike to get an idea of fixed premium.
We’ll cover you from
We want you to enjoy your hobby to the full, and the best way to do that is to ensure you’re properly protected when out and about. Below you can find a rundown of what our road bike insurance policies cover, as well as the optional extras you can include to suit your needs.
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.
Road cycling offers plenty of benefits – for a start it’s a great way to explore while providing valuable exercise. But it’s also a hobby that comes with a degree of danger, which is why it’s important to take out road cycle insurance. If your bike were to become damaged and you had no cover in place, you could be left to replace your bike out of your own pocket, which could prove expensive. We also offer Personal Accident cover as an optional add-on, so if you do want this, remember to include that as one of your tailored options in the quote or purchasing journey.
We want to make your life as easy as possible, and all you have to do to get a road bike insurance quote is fill out our simple online form.
View Policy Wording and IPID for Cycle Insurance
Our thousands of positive reviews mean we boast a five-star rating on Trustpilot, so you can come to us in complete confidence. Of course, if you have any questions about our road cycle insurance, what it covers, how much it costs or anything else, please don’t hesitate to get in touch. You can call us on 01653 916642 or email us at info@ala.co.uk and we’ll do our best to answer any queries.
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