Hiscox Contents Insurance provides bicycle cover as standard. We provide cover away from home for bicycles up to the value of £3,500, provided it was locked to a fixed structure or within a locked building.

Protecting your bikes

For any bike worth more than £3,500 we suggest security tagging and an approved registration scheme. This is not a requirement to be insured by us, however registering with a scheme below can help the Police identify the owners of recovered property more easily.

Approved cycle registration schemes include:

Get bicycle cover as part of a home insurance policy

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Cover for your son or daughter's bike when they're away at university

Student insurance is provided as standard with Hiscox Home Insurance, meaning that their belongings are covered up to the agreed limit on your schedule. So if your son or daughter's bike was stolen from their residence, which we would class as their temporary home, it would be covered up to our single article limit for contents at £15,000 as standard. If it were stolen when stored elsewhere, for example if it were locked to a bike rack outside a lecture hall, our away-from-home limit of £3,500 would apply. This can give you peace of mind that your children will continue to have bicycle insurance in place when they move away from home.

Cover for bike accessories

Your bike accessories will be protected under your contents away from home insurance as accidental damage is included as standard. This means that anything that is damaged outside of the actual core parts of your bike (such as the framework, seat and pedals) is not subject to the £3,500 bike limit. For example, if you fell off your bike whilst out and about, we would pay all items that make up the actual bike under the bike limit. However we would pay for any portable accessories as extra in addition to this limit. These would include things such as on-board computers, water bottle cages, saddlebags, helmets and locking devices.