Cycle Insurance
If you're one of the 7.5 million people who cycle either for sport, leisure, or travel, then cycle insurance is just as essential as your bike helmet.
What is cycle insurance?
Despite more people than ever switching their four wheels for two, very few riders have insurance. While it's not a legal requirement, having robust cycle insurance cover gives you that complete peace of mind should the worse happen. Whether it’s a leisurely bike ride around your city, a daily commute, doing the school run or a bike hike around the countryside; ALA Cycle Insurance can protect your investment, leaving you to enjoy the great outdoors.
What types of cycle insurance does ALA offer?
Whatever your style – we can provide you with cover.
From cycling as part of your daily commute to heading out on a weekend for long rides through rolling countryside, we have a cover for you. And if you're a thrill seeker who enjoys funbox jumping on your BMX or you prefer a downhill run on your mountain bike, we've got you covered. And if you pedal with an added bit of battery power – we can look to cover you too.
Discover the right cycle insurance for you and head out on the open road knowing we've got your back.
- BMX Insurance
- Commuting Cycle Insurance
- Electric Cycle Insurance
- Mountain Bike Insurance
- Road Cycle Insurance
- Touring Cycle Insurance
Policy Documents
View Policy Wording and IPID for Cycle Insurance
Cycle Insurance
Policy Wording Download IPID DownloadLegal Expenses
Policy Wording Download IPID DownloadCycle Insurance FAQ
Here at ALA our cycle insurance can be tailored to suit the needs of you and your family.
Included as standard:
Theft and / or damage to cycle:
- Theft of or damage to your cycle – whether malicious or accidental
Worldwide cover:
- For those adventures abroad
Optional covers:
Public liability
- Public liability insurance covers you if you damage someone’s property or injure another person while out and about cycling. These costs will be covered by this policy.
Personal accident:
- Personal accident cover is an option you can add onto your policy with us. Compensation for loss of limb, loss of sight, permanent total disablement or death sustained as a result of an accident. You can read up on what is exactly covered in our policy wording
Cycle accessories:
- Up to the selected value for accessories including helmet, clothing and more
Replacement hire:
- Up to the agreed value for replacement hire
Legal expenses:
- Up to the agreed value for legal expenses cover
To be eligible for one of our cycle insurance policies, you must:
- Be a permanent resident in the UK
- Not be insuring a cycle that exceeds £6,000 in value
- Be able to provide a frame number for the cycle
- Be insuring a cycle in good working order and in your possession at the time of taking out the policy
- Be insuring a cycle that has been purchased new or second hand from a cycle retailer, as proof of purchase is required. This can be either:
- Original receipt
- Evidence of insurance replacement
- Gift receipt
As standard, our cycle insurance policies cover the UK, Isle of Man and the Channel Islands but as noted above you can extended to worldwide cover as an optional extra.
Most bicycles have a frame number stamped into the metal under the bottom bracket.
If it's a carbon frame, the number will be etched into the surface or displayed on a sticker.
Occasionally, the frame number will be on the inside of the chain stay or on the down tube or top tube.
We would recommend doing your research and getting a mandatory, approved Gold, Silver or Bronze lock for your cycle depending on the value.
- Insured value under £500 require a Bronze rated lock
- Insured value under £1,000 require a Silver rated lock
- Insured value over £1,000 require a Gold rated lock
Details of these locks can be found on the Sold Secure website.
A bike lock is required in order for your cycle insurance policy to be valid.
Even the best rider can hit a bit of bad luck – from a simple pothole on the way to work, to wiping out going off-terrain, which is why we think even weekend riders should take out an insurance policy that covers all eventualities.
Just like car insurance provides drivers with peace of mind, bike insurance allows you to enjoy the open road free from worry. You'll know that should something happen while you're out and about, you'll be back in the saddle in no time.
We're renowned for providing top quality financial products within the motor industry, which makes us perfectly positioned to help provide cover for some of the most vulnerable road users too. And thanks to our flexible cycle insurance policy, you can create cover that's totally unique to you.
Want to know what our customers think of us and our policies? Check out our 'Excellent' Trustpilot reviews, from people just like you!
We've made the process of getting a cycle insurance quote as simple as possible. All you have to do is head to our online quote form and fill in your details. Choose any optional extras – and away you go.
Of course, if you have any questions about your cycle insurance quote, you can get in touch with us. We’re available to contact via email at info@ala.co.uk or on the phone. Just dial 01653 916642 and we’ll be happy to talk things through.
The underwriter for this policy is Astrenska. Astrenska is a trading name of Astrenska Insurance Ltd Reg. No. 01708613
Registered in England & Wales Registered Office Cutlers Exchange, 123 Houndsditch, London EC3A 7BU.
Astrenska Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority – registration number 202846.
If you've been unfortunate enough to have to make a claim you can do so by contacting Davies Group and they will help you process your claim. https://davies-group.com/claims/claims-enquiries/
You can of course cancel your policy within 14 days of purchase. Please give one of our customer support team a call, who will take you through the process. Our number is 01653 916642.