Will my home insurance cover my bicycle?

If you're away from home and have portable items cover on your policy, providing your bike is valued less than £750, the home insurance will provide cover for theft, loss, and accidental damage.

If your bike is valued more than £750, let us know so we can add it to your policy separately.

1. Make sure you use a high-quality lock and learn how to lock your bike properly.
2. When at home, lock your bike to a permanent fixture in a secure shed, garage, or outbuilding.
3. Whilst away from home, avoid leaving your bike in any quiet or dimly lit areas.
4. Keep records of your bike. Register your bike on the National Cycle Database.
5. Always remove your accessories when your bike is parked.
6. Property mark the bike. Bikes can be post-coded by etching and painting.

Contents stored in sheds and garages are covered up to the total contents sum insured, but the policy has a theft limit of £5,000 in any one year of insurance. This figure is on top of any items you specify on your policy (usually items worth more than £3,500).

Bicycles are covered for up to £750 each. Contact us if your bicycles are worth more than this, as we will add them to the policy. And there may be extra security measures you should take.

• Fit high-quality locks and remember to always lock up after you are finished.
• Check that the door hinges are securely fitted and replace any loose screws.
• Consider installing motion-activated lights to eliminate dark hiding places.
• Fit a security alarm to add another layer of protection.