Cycle Plan Insurance

Cover for helmets, clothing and accessories, Malicious or accidental damage, Theft and accidental damage

Policies and deals from industry leading insurance providers, including

This Cycleplan Insurance review is intended to assist people in deciding if they have the right policy for them. Cycleplan is the niche bicycle insurance sector of Ripe Insurance Services Limited. They have been offering coverage for bicyclists in the UK for the past 20 years.

What types of bicycle insurance does Cycleplan offer?

There is insurance coverage for every type of pedal powered one and two-wheel bike on the road today across the UK. The list of types of bikes a policy  that cover is offered for includes the list below plus Tandem, Vintage and Unicycles ;

  • Electric bike
  • Commute and city bike
  • Mountain bike
  • Cyclo-Cross bike
  • Mopeds and Scooter insurance.
  • Road bike  & BMX

What is included in bicycle coverage from Cycleplan?

There is a base policy for bicycle owners that ride on UK roads. There are also options for those that want to have additional coverage. Also available is special coverage for the competitive biker to protection for them and their bike when at an event.


  • Theft, Damage and Accidental Damage Coverage protects the bike if it is stolen, vandalized or damaged in an accident. This coverage is for the value of the bike up to £30,000.
  • Public Liability is the coverage you can count on if you injure someone or damage their property while riding. There is coverage from £1m to £5m.
  • Legal Expenses are covered up to £50,000 if a third party makes a legal claim of damage against you.

Additional options available

  • Accessory Coverage is to replace the cost of gear such as a helmet, clothing or even GPS when you are involved in an incident. This is coverage from £250 to £1,000.
  • Personal Accident Coverage when you are seriously hurt in an accident has coverage from £10,000 and £50,000.
  • Replacement Bike Hire provides from £500 and £1,000 so you can ride another bike temporarily when your bike is being repaired after an accident.
  • Loss of Earnings Protection when you are injured in an accident involving your bike. This protection is from £250 and £750 to cover a week’s wages.
  • Competitive Coverage is for protection when you are competing in a bicycle event.
  • Travel Coverage can be taken out with European protection of up to 90 days and worldwide up to 45 days.
  • Excess Waiver removes the excess you might have paid when making a claim.

In Summary

The above coverage is available to the UK bicyclist. This custom coverage makes it possible for you to pick and choose the level of coverage and what you want to have covered, depending on how you ride your bike.

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