Cyclescheme is the UK's most popular cycle to work benefit, creating more cyclists than any other provider.

Do I need cycle insurance?

Do I need cycle insurance?

Whether your cycle commute consists of country lanes or busy city roads, you won’t need reminding of the potential hazards of cycling to work, from pot holes to pedestrians.

That’s why it’s important to have insurance cover so you can have peace of mind that you’re protected on your journey. Plus don’t forget, as part of your hire agreement with Cyclescheme if your bike is stolen or damaged beyond repair before it has been paid for, you’ll be responsible for replacing it.

Bike now pay later

Household insurance may not provide the level of cover you need as a commuting cyclist, such as cover when away from home, accidental damage or public liability protection. That’s where a specialist insurance provider like Cycleguard can help, with cover available for: 

  • Theft

If you’re commuting to work, your bike isn’t just going to stay locked up at home. As long as your bike is locked correctly through the frame to an immovable object, with an approved lock for no longer than 18hours at a time, we’ll be there to help get you back out cycling should you fall victim to bike thieves.

  • Accidental Damage

Your commute to work isn’t always going to be plane sailing, we know that. If you skid in the wet or hit a pot hole and damage your bike we can help get you on the road again. We can also arrange for bike hire, subject to an approved claim, so you don’t have to worry about how to get to work whilst you wait for your bike to be repaired or replaced.

  • Rescue Cover

Should you have an accident and cause irreparable damage to your bike whilst on your commute, you could be left wondering what to do. To help ease the stress, as long as you’re further than a quarter of a mile from home, our Rescue Cover option will assist in getting you to the nearest repair shop, railway station, car rental, or back home if nearer, so you’re not left stranded on the roadside.

  • Public Liability & Personal Accident

Accidents happen and if you cause damage or injury to a third party or their property whilst on your bike you could be financially responsible. Should you choose to include Public Liability protection on your Cycleguard policy, we can provide up to £5 million to help with claims against you. Our Public Liability cover option also includes up to £10,000 Personal Accident cover; helping to provide financial compensation should you suffer serious injury, such as loss of limb, sight or permanent disablement as a result of a cycling incident.

cycle insurance

As Cyclescheme’s preferred insurance partner, Cycleguard can help make sure you have the protection you need to support you throughout your agreement. Plus as a Cyclescheme member you can enjoy a 15% discount on your first year’s premium when taking out a new Cycleguard policy. 

To find out more about protecting your bike whilst commuting, or for a quick quote visit

Save 15% on Cycleguard Cover

Cycleguard is a trading style of Thistle Insurance Services Limited. Thistle Insurance Services Limited is authorised and regulated by the Financial Conduct Authority. Lloyd’s Broker. Registered in England under No. 00338645 Registered office: 68 Lombard Street London EC3V 9LJ. Cyclescheme Limited are Appointed Representatives of Thistle Insurance Services Limited.