Insurance for cycling

Unfortunately, incidents do occur both on and off the bike. For peace of mind and to protect both you and your cycling possessions, you may want to consider specialist insurance for cycling, particularly as your home and travel insurance policies may not cover your bikes adequately

What insurance is included with Cycling UK membership?

Third-party liability insurance

By joining Cycling UK, you’ll automatically receive £10m third-party liability insurance provided by Butterworth Spengler Insurance Brokers. This will cover you if you damage another person or their property; for example, if you were to accidentally cause injury to a fellow rider or hit a car.

Legal assistance

Cycling UK membership includes access to our personal injury incident line on a no-win, no-fee basis. Our legal partner Cycle SOS does not charge a success fee, so members keep 100% of any compensation.

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Additional insurance available to Cycling UK members

Cycle insurance to cover theft and damage

Cycling UK members get exclusive deals on cycle insurance with Yellow Jersey, or specialist combined bike and home insurance policy with Pedal Cover. There are offers for short-term cover and renewal discounts, too. 

Travel insurance for cycling

If you’re planning a holiday or short trip, your standard insurance policy may not specifically cover cycling. Members receive 15% off policies with specialist cycle travel insurers Yellow Jersey.

Cycle Activity Provider (CAP) membership

Specialist cycle activity provider insurance for instructors or individuals organising cycling activities is provided by Butterworth Spengler Insurance Brokers through a membership, discounted for Cycling UK members.

Organisers’ liability insurance for groups, clubs and workplaces 

Cycling UK’s £10m organisers’ liability insurance, provided by Butterworth Spengler Insurance Brokers, covers event organisers, ride leaders and volunteers against any claims made against them as a result of their negligence.

By joining Cycling UK as an affiliated group or through employer membership, your group will automatically be covered by this policy.

Free special events insurance: if you register an event under one of Cycling UK’s summer cycling initiatives – Bike Week or Big Bike Revival – you’ll receive event and ride insurance cover for free.

Read more about insurance for groups, clubs and workplaces.

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Other insurance available directly from our brokers 

If you require professional indemnity insurance to cover a business such as bike hire, a cycle shop or maintenance operation, or a holiday or tours company, then you may be able to access discounted rates through your affiliation or membership.

Trophies and clubroom effects insurance for Cycling UK groups is also available directly from our brokers. Contact Butterworth Spengler Insurance Brokers on 0151 494 4400 and mention Cycling UK.

Note that Cycling UK is not authorised to advise on the suitability of insurance cover or sell policies. We work with trusted partners and brokers who are authorised and regulated by the FCA. If you have any specific questions on our insurance policies, please contact the providers directly.

Insurance documents

Visit our insurance documents hub for further information on all the insurance policies available through your Cycling UK membership.