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Cycle Insurance options | Do you need Public liability insurance for Cycling?

15 November 2023

Written by Katie Rollin

|  5 Minutes

Many of us choose to cycle, whether for health, environmental or money-saving reasons, and it’s important to protect both ourselves and our finances each time we get out on our bike. Helmets, bike lights and other protective gear are a great way to protect ourselves, so it makes sense to also consider protecting our finances with bicycle cover in case the worst happens and there is an accident.

One way you can protect your finances is with public liability insurance; liability cover on your bicycle insurance policy could be a lifesaver if you ever found yourself involved in an incident involving a third party. This article will discuss the importance of public liability cover age for your bike insurance policy. We will also explain what you will get from an ALA policy: what it includes, excludes and the terms of cycling liability insurance.

What is public liability insurance?

Public liability insurance covers policyholders against claims made by third parties for injury or damage caused by the policyholder’s use of their bike. This differs from personal liability, where you are responsible for damages affecting yourself or your property. Liability insurance can be essential for cyclists as accidents can happen when we least expect them, and the cyclist may be liable for any resulting injuries or damages. Public liability insurance covers legal costs, compensation, and other expenses that may arise from the incident.

Examples of when you may need public liability cover include the following:

  • Damage to private property
  • Damage to public property or protected land
  • Injury compensation

A person cycling along a bridge on a road bike with protective gear and a backpack.

Cyclists could benefit from public liability insurance for several reasons. Firstly, it provides financial protection in the event of a cycling accident, which can be expensive if you are sued for damages or injuries. Although rare, public liability cases can cost significant amounts of money.

Secondly, public liability insurance can cover the costs of legal fees and other expenses arising from the liability claims procedure (this is not to be confused with our legal expenses cover option for Cycle Insurance ).

Thirdly , public liability insurance can be required to participate in some cycling events or races.

What might public liability insurance cost you with ALA?

Bicycle insurance policies vary depending on a range of factors such as bike value, postcode, chosen cover and excess. For example, your policy will usually cost more if you have an expensive bike . However, at ALA, optional add-ons cost the same, no matter the value of your bike. ALA Cycle Insurance provides affordable public liability cover ; you could get coverage up to £1m for an additional £15.18 for a 12-month contract or £1.34 paid monthly (including interest). Alternatively, to double your coverage up to £2m, you would only pay £18.38 for 12 months or £1.65 paid monthly*.

You can gain twice the public liability coverage for a small additional cost. If you are looking for comprehensive coverage for your cycling activity, it doesn’t need to cost the earth.

*Public Liability cover costs £19.30 a year for very low-value bikes.

What does ALA public liability, third party insurance cover?

A standard Cycle Insurance policy with ALA includes bicycle theft, damage and worldwide cover for up to 30 days, so you needn’t use expensive travel insurance for your bike when you go abroad. Additional public liability cover protects you against claims made by third parties for injury or damage caused by use of the policyholder’s bike. ALA public liability provides up to £2m of cover. We offer five policy add-ons, including public liability insurance

What is covered?

We will pay up to the agreed amount shown in your policy schedule for the amount you become legally liable for. We will pay compensation for accidental injury, death or disease to any person or accidental damage to third-party property which arises from use of the insured bike .

An older couple wearing cycling helmets and outdoor clothing as they look over a green landscape

What is not covered?

We can’t cover any amount that exceeds your agreed cover limit or the £500 excess on each claim for damages to third-party property or personal injury. Your insurance claim will also be invalidated if you are entitled to indemnity from another source, such as a life or home insurance policy. Our third party liability insurance will not cover professional cyclists or trade or business use of the bicycle. Employers’ liability is not currently included in this coverage. Read the full terms of public liability insurance.

In addition to our public liability cover add-on, ALA Cycle Insurance also provides a range of other benefits, such as worldwide cover , theft and accidental damage cover as standard.

Why choose public liability insurance with ALA?

Keen cyclists should consider having an insurance policy in place to cover unforeseen circumstances for peace of mind . Standard bike cover such as theft and accidental damage cover is a no-brainer. Still, low-cost add-ons such as Personal Accident or Cycle Replacement Hire cover could save you significant costs should the worst happen.

ALA’s policies are entirely buildable to suit your cycling needs; choose your coverage options and the level of financial protection you need, which is affordable . Also, our flexible excess options make our policies widely accessible. Regulated by the Financial Conduct Authority, we can confidently offer the best product to protect your finances.

With our affordable add-ons, the only variable that can significantly affect your policy is your bike’s value and where you live; find out how much comprehensive coverage could cost you with our Cycle Insurance quote calculator.