Last reviewed:
· Pedalsure Underwriting Team · Underwriting Lead
Bike theft insurance pays to replace your bike if it's stolen.
Pedalsure covers bicycles and e-bikes worth £400 to £15,000 against
theft at home and away, as part of our Theft and Accidental Damage
policy. Claims are settled new for old, from £2.45 a month. Below are the lock rules, the time limits and what can stop a theft
claim, so you know before you need to claim.
Theft at home: from your house, flat, garage, shed
or communal store, when thieves forced their way in and the storage
rules were met
Theft away from home: when your bike was locked
through the frame to an immovable object with an approved lock, the
thief forced the lock or the object, and the time limits were met
New-for-old replacement: same make and model, or
equivalent if that's not available, with no deduction for wear and
tear
Up to £500 replacement bike hire per policy year
while an approved claim is settled
Up to five bikes on one policy, worth up to £30,000
in total
Accessories and kit stolen with your bike, if you
add the accessories option (Theft and Accidental Damage only)
Damage too: Theft and Accidental Damage also covers
crash damage, vandalism, and damage from a failed theft attempt
Only need theft cover?
Theft Only
covers theft but no damage of any kind.
The lock you need
Bike's sum insured
Approved lock
£1,000 or less
Sold Secure Silver, Gold or Diamond, or a Thatcham-approved motorcycle lock
Over £1,000
Sold Secure Gold or Diamond, or a Thatcham-approved motorcycle lock
Lock through the frame to an immovable object, such as a fixed stand
or railing. A cable doesn't count as an approved lock. Keep your keys
and the lock receipt. Customers get up to 40% off
Hiplok locks, and the
Hiplok DX meets the rule at any bike value.
Six things that stop a bike theft claim
No approved lock, or not locked through the frame
to an immovable object.
Left too long: more than 12 hours away from home,
or 24 hours at work or in a station cycle rack. Your garden and
driveway count as away from home.
Key left in or with the lock, or the lock wasn't locked.
No proof: you can't provide evidence of ownership
or a crime reference number or, if your bike was locked, the lock
key and receipt (or the lock's remains).
Handed over after being tricked: a fake test ride,
a sale or a payment that bounces.
No forced entry at home, or your home was empty for
more than 30 days in a row.
We won't pay if the security requirements weren't met, unless you can
show the failure couldn't have increased the risk of the theft.
Sometimes. Many home policies cover bikes only up to a low single-item
limit, and only at home unless you add away-from-home cover. A theft
claim can also affect your home no-claims discount. Specialist bike
theft insurance covers each bike for its replacement value, at home
and away.
From £2.45 a month with Pedalsure. Your price depends on your bikes and the cover you choose.
Is my bike covered if it's stolen from my shed or garage?
Yes, if it's a private garage or shed at your home and thieves forced their way in. Any garage door needs Secured by Design accreditation, and external doors need a BS3621 deadlock, an approved lock or a CEN 4+ padlock. Your bike must be locked inside to an immovable object. A Secured by Design metal shed needs no extra lock.
Is my bike covered at work or at a railway station?
Yes, if it's locked through the frame with an approved lock to an immovable object or a station cycle rack. It's covered for up to 24 hours at your workplace or in a station cycle rack (12 hours anywhere else). The thief must have forced the lock or the object.
Is my bike covered on or in my car?
One bike is covered. It must be out of sight inside the locked vehicle, which the thief broke into, or locked through the frame with an approved lock to a fixed roof or bike rack. Between 9pm and 6am the vehicle needs a Thatcham Category 1, 2 or 3 device. Outside the UK, it needs a factory-fitted alarm or immobiliser.
Do I need a police report to claim?
Yes. Report the theft to the police as soon as possible and give us the crime reference number. Tell us about the claim within 30 days.
Is an e-bike battery covered if it's stolen on its own?
Only if the battery was locked to the bike with its built-in lock and there's visible evidence it was forced out. Otherwise it's covered when the whole bike is stolen.
What if my bike is stolen while I'm riding it?
It's covered. A bike you're riding or holding isn't unattended, so the lock rule doesn't apply. Report it to the police straight away.
Protect your bike against theft, at home and away.