Will my home insurance cover my bicycle?

23 February 2023

Bicycles are an easy target for thieves but the good news is we include cover as part of our home contents insurance.

A maroon bicycle stored in a cluttered shed.

Protecting your bike when you’re out and about


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, please make sure you let us know so we can add it to your policy separately.

Top tips to protect your bike

  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.

Storing your bike securely at home

Contents stored in sheds and garages is 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. Please 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.

Keeping sheds and garages secure

  • Make sure you fit high-quality locks and remember to always lock up after you are finished.
  • Check that 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.
For more information, please visit home insurance or for a quote, give us a call on 0345 777 3322
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