We love cycling, but we know that things can go wrong from time to time. We want you to spend less time worrying about those ‘what if scenarios’ and more time riding bicycles. Wiggle Cycle Insurance provides you with the knowledge that you are covered in the best possible way so you can just enjoy the ride.
Wiggle Cycle Insurance is different from just insuring your bicycle as a stand-alone item on your household policy, where your insurance would pay you out should something happen to your bike (it gets stolen, or the frame cracks after accidentally crashing your bike). It covers you as a cyclist, in short offering you far more protection/cover and peace of mind knowing that you are covered for all things cycling related.
We offer three levels of insurance so you can choose the policy that best suits your needs. We've highlighted some of the key benefits below.
Available with all Wiggle Cycle Insurance plans
Although we don’t like to think about it, accidents do happen. If you’re responsible for damage or injury to other road users, property or pedestrians, Wiggle Cycle Insurance will protect you for up to £2 million of public liability cover. An essential benefit to protect you financially.
Emergency Private medical and dental
You shouldn’t have to wait in the case of an emergency! If you have a Wiggle Cycle Insurance policy and you need emergency treatment following an accident on your bike, you’ll have cover for up to £300 for private medical or dental care.
We know that you dislike spending time off the bike, there is nothing worse than an injury. That’s why if you sustain an injury whilst riding a bike, we’ll give you cover for emergency access to a physio of your choice.
Available with Essential Cycle Cover
New for old replacement
If your bike is stolen or accidentally damaged, your Wiggle Essential or Elite policy can help repair or replace it on a new for old basis (for the first three years since purchasing your bike). Your bike will even be insured when locked in your car or secured to your roof rack.
Add on extra cover when you need it
Wiggle Essential offers you the flexibility to add active cover or global travel to suit your needs.
Available with Elite Cycle Cover
With the most comprehensive cycle cover on offer, you'll benefit from all the above plus the following:
Replacement cycle hire
We know what it’s like to be without a bicycle! If your bike has been stolen, damaged or lost in transit, our dedicated claims team will make a plan to organise a replacement bike, so you can get back in the saddle whilst awaiting the repair or replacement of your bike.
Get discounted rates when insuring multiple bikes
Yes, the N+1 problem is a real thing and when you want to have all your bikes covered! We know that insuring more than one bike can be expensive, but this shouldn’t stop you from covering all your bicycles. Wiggle Cycle Insurance has made it possible for you to insure all your bikes on one policy and save on each additional bike.
Taxi Fare Reimbursement
No one likes having to walk home! If you suffer a mechanical or a mishap on your ride, Wiggle Cycling Insurance will cover the transport fare for you and your bike to your home or the closest transport link up to the value of £150 per policy period.
Accessories and clothing
Cycling kit is valuable. At Wiggle, we know how valuable it can be, so our insurance policies offer optional cover for your GPS, clothing, footwear (amongst loads of other kit) in the event they’re stolen or damaged.
Wiggle Cycle Insurance was created “by cyclists for cyclists”, we have tried to think of all of the scenarios that a cyclist would need insurance cover for. There are a couple that stand out, but one of the most important ones is the cover for public liability! This is definitely something that you are not covered for when you list your bicycle as a standalone item on your normal household policy. By taking out an insurance policy with Wiggle Cycle Insurance you know that you are covered for those “what if” moments!