For more than ten years, our specialist bicycle insurance has protected cyclists and their equipment against theft and crash damage. Whether you’re riding at home, training on the road or racing abroad, we make sure your bikes and kit are covered wherever the ride takes you.
Planning a trip overseas? Our Cycle Travel Insurance goes further than standard holiday cover. It’s made for cyclists who are training, touring, or competing abroad, with protection for medical expenses, trip cancellation, and more. If you also want cover for your bike while you’re away, our short-term Bicycle Insurance has you sorted.
And for everything beyond the bike, our Sports Travel Insurance keeps you covered when you’re kite surfing, diving, running, or taking on something new. It’s the same expert protection, built for every sport.
Wherever sport takes you, we’ve got you covered.
Born in cycling. Built for sport.
Trusted for 10+ years by cyclists and triathletes. As the official British Triathlon partner, we cover a wide range of benefits, with theft, crash and personal liability cover at the core. Backed by an in-house claims team, we work to get you back on your bike quickly.
Travel insurance for cyclists and triathletes, when riding is the purpose of your trip, from training camps and races to downhill mountain biking. We cover all the usual benefits, including medical expenses (incl. heli-rescue) and trip cancellation, providing protection most insurers will not offer.
![Health Insurance - Sun Lounger](https://www.yellowjersey.co.uk/wp-content/uploads/2025/12/rugby-travel-insurance-illustration-700x700.png")
Following the success of Cycle Travel, we now offer Sports Travel insurance for non-cycling activities, including extreme sports. From racing and training to leisure trips, we cover medical expenses and trip cancellation with broader acceptance criteria than standard travel policies.
Cycling can be an investment, but we’re here to make it more affordable. By offering market-leading discounts (like 40% off Garmin), we help you save on the gear, apparel, and accessories that keep you riding strong. It’s our way of giving back to the cycling community and putting real value in your hands. Part of our ethos to "free your ride".
Find out more about our customer rewards.
We offer three cycling packages -
If you need to make a cycle insurance claim, you won’t be read a script by someone who doesn’t know what they’re doing. Our customer-driven claims process is managed completely in house, meaning knowledge and expertise are guaranteed.
We don’t believe you should be put off making an insurance claim, just because you’re worried your premiums might go up. With a Yellow Jersey push bike insurance policy, we don’t charge you extra at renewal even if you’ve made a claim. When you renew you’ll get the same basic rate as a new customer, but we’ll apply a 25% renewal discount to your premium.
You pay the full premium for your most expensive bike, then we apply a 60% multi-bike insurance discount for every bike you add after that. Twinned with our family cover (included in all of our bicycle insurance policies) this means you can save a good chunk when insuring all of the push bikes in your household together.
Crash damage is likely excluded on your home insurance and almost certainly if you’re competing. With Yellow Jersey’s cycle insurance, you’re covered. Our Essentials tier covered crash damage out and about, Performance extends this to Europe and while riding in events like Sportives, and Ultimate extends this worldwide and includes racing.
If we can discourage bicycle theft, we can lower premiums for everyone. We give new annual bicycle insurance customers a free DNA+ bicycle security marking kit worth £36 with their policy. These make stolen bicycles traceable and prove that they are stolen property making them less desirable for thieves.
We’ll make sure everything is up to scratch if your bike is damaged through vandalism.
Whether your pedal cycle is stolen from home, work or elsewhere you’re covered – even if you lend it to a member of your family who lives with you. We just ask that you follow our really simple bicycle locking requirements.
We don’t depreciate bicycle value, so the price you paid is the value we will cover your bike for regardless of how long you’ve owned it.
All of our cycle insurance packages cover you for physio, dental and permanent injury.
Yellow Jersey is the official supplier to the British Triathlon Federation, Ride London and Cycling UK. We provide bicycle insurance to competitors at some of the biggest cycling and triathlon events in the UK, including the Castle Triathlon Series, Tour of Cambridgeshire, Outlaw Triathlon and many more.
Our British cycling insurance isn’t restricted to the UK. Performance level cycle policy can cover your bicycles within Europe for leisure, training camps and racing. Our Ultimate tier covers your bike worldwide.
All three bicycle insurance tiers include cycling liability insurance to protect you and your family members against third-party claims up to £2m whilst riding any insured bicycle. Our Performance and Ultimate policies also cover the named policyholder for public liability claims whilst riding any bicycle: e.g. a holiday hire bike or Santander Cycles. We think this is one of the most important aspects of a cycle insurance policy, and that’s why we include it as standard for everyone.
Whilst crash damage is covered across the board, racing is not covered in either the Essentials or Performance packages.
Insurance benefits |
|
| Trip Cancellation | £5,000 |
| Medical Expenses | £10m |
| Repatriation | £10m |
| Dental Treatment | £250 |
| Hospital Benefit | £500 |
| Valuables | £5,000 |
| Travel Documents | £250 |
| Delayed Baggage | £250 |
| Personal Money | £500 |
| Travel Delay | £250 |
| Holiday Abandonment | £5,000 |
| Missed Departure | £1,000 |
| Loss of Limbs or Sight | £20,000 |
| Permanent Disablement | £20,000 |
| Death Benefit | £10,000 |
| Personal Liability | £2m |
| Emergency Cycle Hire | £500 |
| Race Fee Cancellation Cover | £500 |
| Cycle Breakdown Benefit | £200 |
| Cycle Repatriation Benefit | £250 |
| Gadget Cover | £2,000 |
| Ski Equipment | £350 |
| Ski Hire | £300 |
| Ski Pack | £200 |
| Piste Closure | £300 |
| Delay due to Avalanche | £300 |
Insurance benefits |
Limit |
| Emergency Medical Expenses | £10,000,000 |
| Emergency Repatriation | £10,000,000 |
| Trip Cancellation | £2,500 to £10,000 |
| Dental Treatment | £250 |
| Hospital Benefit | £500 |
| Baggage | £2,500 |
| Travel Documents | £500 |
| Delayed Baggage | £250 |
| Personal Money | £500 |
| Departure Delay | £250 |
| Holiday Abandonment | £5,000 |
| Missed Departure | £1,000 |
| Missed Connections | £20,000 |
| Personal Accident | £20,000 |
| Death Benefit | £10,000 |
| Personal Liability | £2,000,000 |
| Car Hire Excess Protection (optional) | £5,000 |
Sports covers |
Limit |
| Owned or Hired Sports Equipment | £500 |
| Sports Equipment Upgrade (optional) | £2500 to £5,000 |
| Sports Equipment Emergency Hire | £500 |
| Sports Equipment Repatriation | £250 |
| Sports Activity Interruption | £500 |
| Race/Event Entry Fees | £750 |
| Gadget Cover | £2,000 |
Our love for cycling runs deep and is ingrained in every aspect of our organisation. We are avid cyclists ourselves, understanding the exhilaration, challenges, and joys that come with every ride. This passion has fuelled our dedication for more than 10 years to provide the best insurance solutions tailored specifically for cyclists.
Trusted by the professionals
Our Pedal Cycle Insurance covers all cycling disciplines, so if you ride tri, road & MTB, you can still insure all of your bikes on a single policy. If you’d like to see how our Bicycle Insurance features can benefit different types of cycling, have a look at the separate pages below -
Travelling to ride? Choose our Cycle Travel Insurance — including triathlon and mountain biking — purpose-built for cycling holidays, events and training camps.
If your trip involves other sports or adventure activities — including winter or water sports — our Sports Travel policy covers over 500 activities typically excluded from standard travel insurance.
Whether you ride daily, race competitively or simply want peace of mind, these are the most common questions we’re asked about specialist bicycle insurance. For detailed policy wording and cover limits, you can visit our full FAQ hub.
If you have any other questions, you can call us Monday through Friday from 9 a.m. to 5 p.m. We typically answer the phone in under 30 seconds.
Yellow Jersey bicycle insurance is specialist cover designed for cyclists. It can include protection against theft, accidental damage, vandalism and loss — whether at home or away. Cover is built specifically around the realities of owning and riding a bike, including high-value road bikes, mountain bikes and e-bikes. Unlike standard home insurance, it is structured around cycling risks rather than general household contents. For full cover limits and policy detail, see our detailed Bicycle Insurance FAQs.
Many home insurance policies treat bikes as general contents and may apply lower limits, higher excesses or stricter away-from-home restrictions. Specialist bicycle insurance is designed around how cyclists actually use their bikes — including regular riding, café stops and transport on racks. If your bike is high value, used frequently, or taken away from home often, specialist cover is usually more appropriate than relying solely on home insurance.
Yes — provided it is secured correctly in line with policy requirements. Specialist cycle insurance recognises that bikes are regularly taken out, locked outside cafés, workplaces or events. Security conditions apply, including the use of approved locks, but cover is built around real-world riding rather than occasional storage. Full lock requirements and conditions are explained in our central FAQ hub.
Accidental damage cover is available and can protect against crashes, impact damage and other unexpected incidents while riding or transporting your bike. This is particularly important for carbon frames and high-spec components, where repair or replacement costs can be significant. As with all insurance, terms and excesses apply, which are outlined in the policy documentation.
Short-term or annual bicycle insurance for theft, damage and liability worldwide, from everyday riding to full-on racing.
Travel insurance for cyclists and triathletes, built for trips where riding is the purpose. Pair with our bike policy for complete peace of mind.
We now offer sports travel insurance for 500 non-cycling activities, e.g. winter sports, hiking, golf, diving, surfing and more.
