E&L Insurance

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Cycle Insurance from E&L provides competitive, cheap bicycle insurance for your push bike and accessories. We cover most make and type of cycle so if your looking for mountain bike insurance, cover for your racing cycle or BMX, we can help.

We provide cycle insurance for riders using their bikes for leisure purposes, road based time trails, racing and competitions. You can find out more about our cycle cover in our cycle policy information section. For frequently asked questions about our insurance plans please take a look at our cycle insurance FAQ's.

Bicycle insurance provides a wealth of cover which includes cover for theft and accidental, which is essential as unfortunately, the sad reality is that many bicycles get stolen each year with only a very small percentage being recovered.

It's also reality that cyclists are more vulnerable when sharing the same roads as motor vehicles and regrettably accidents do happen. And with the introduction to promote cleaner travel to the workplace and get healthy at the same time through the governments cycle to work scheme, push bike insurance really should be considered as the risks become even greater.

We cannot prevent the theft of cycles or accidents from happening but you can take steps to protect yourself against them with comprehensive cycling insurance from E&L®.

Push bike insurance from E&L offers the following great benefits:-

  • Up to £5,000 cycle and accessories cover
  • Protection for Fire, theft, accidental damage and loss, replacement hire, emergency recovery, personal accident and public liability cover
  • Up to of 3 years new for old cover
  • Up to 45 days Worldwide Use
  • 20% online premium discount
  • Over 50's and junior discount

Our Leisure and Compete plans are ideal for keen cyclists involved in competitions, pleasure riders who enjoy cycling for leisure or commuting.

The Leisure Plan provides cover for bicycles used for day-to-day leisure and road-based time trials

The Compete Plan provides cover for bicycles used for racing and competitions for semi-professional cyclists

For more useful information on owning and riding your bike please see our cycle tips and advice section which covers topics such as buying a bike through to bicycle safety.

Why not take a look at bicycle insurance plans now and see how little you could be paying to protect your bike. Get a push bike insurance quote online in seconds.

Cycle Policy Information

  • Leisure Plan – For bicycles used for leisure and road-based time trials.
  • Compete Plan – For bicycles used for racing and competitions.

Benefits

  Monthly1 Yearly
Fire, Theft, Accidental Loss or Accidental Damage to Bicycle 100% 100%
New for Old 100% within 3 years 100% within 2 years
Replacement Hire £500 £150 limit per week £500 £100 limit per week
Emergency Recovery £200 £150
Worldwide Use up to 45 days up to 31 days
Personal Accident £12,500 £10,000
Public Liability £1.25m £1m

Area Classification

  • Area A: All counties other than those in Area B
  • Area B: London & Berkshire, Essex, Sussex, Hertfordshire, Kent, Middlesex and Surrey

Security Requirements

Please see our Cycle Security Requirements document.

Cycle Lock List

Please see our Cycle Lock List document.

Excess

The excess is the amount you pay towards a claim.

  • £59 on cycles valued up to £1,000.
  • £85 on cycles valued between £1,001 and £3,000
  • £100 on cycles valued £3,001 and over. Public Liability excess is £250

1. Lunar monthly policy (more information)

The following discounts are available on E&L® Cycle Insurance:

  • 20% online discount
  • 5% premium discount for cyclists aged 14-18 and over 50 years
  • 5% premium discount if insuring 2 or more cycles

The total maximum discount per policy is 25%.

Introductory discounts provided only apply to new policies taken out online.

To be eligible for E&L® Cycle Insurance the following conditions must be met:

  1. The policyholder is a UK resident aged over 18 years (junior applications must be taken out by a parent/guardian aged over 18)
  2. The bicycle must not be used for professional or trade purposes, except commuting
  3. You must meet our security requirements
  4. Please have a look at the cycle security locklist

Please see the Cycle Insurance Policy Wording for full eligibility criteria.

Policy Summary

The policy summary gives an overview of the benefits our cycle insurance provides

Cycle Insurance Policy Summary

Policy Wording

The policy wording outlines full details of our cycle insurance terms and conditions.

Cycle Insurance Policy Wording

To view the above PDFs Adobe Reader must be installed.

Register a Claim

Several of our claim forms are available to download online in PDF format. After completing the form you will be provided with a download link to your requested claim form which you can simply print out, fill in and either fax or post to us.

To complete the form please click here

View our Testimonials pages.

Dog Insurance FAQs

If the following FAQs don't answer your query please have a look at our General FAQs or our Leisure and Lifestyle Insurance FAQs sections.

  • Am I covered if I lend, loan or hire my cycle to another person?

  • No, the cover is only applicable for you as the policyholder.

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  • Am I covered to take my cycle abroad?

  • If you select our Worldwide cover the cycle insurance we will insure you for up to 45 days (monthly policy)/31 days (yearly policy) per occasion, up to a maximum total in a year of 180 days whilst you are using the insured bicycle outside the UK (including sea crossings).

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  • Do you cover more than one bicycle on a policy?

  • No. If you want to insure more than one cycle you will need a separate policy for each bicycle.

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  • Do you insure professional, semi-professional and competition cyclists?

  • Yes. We offer "leisure" cover for non-professionals and "compete" plans for the professional or semi-professional cyclist.

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Cycle Tips and Advice

More Tips

Why is bicycle insurance important?

It's no wonder so many people love riding a bicycle. After all, cycling is an exhilarating sport, a great way to relax and keep healthy, and it's often a welcome alternative for commuters who are tired of sitting in traffic every morning or who want to do their part to help the environment.

Whatever type of bicycle riding you do, insurance is essential. Not only does it protect you financially in case your bike suffers damage or gets stolen, but it also provides you with cover in case you accidentally cause damage or injury while riding.

Whether you ride a road bike, a mountain bike or a BMX, E&L can help you ensure that you are properly protected. We offer a variety of comprehensive yet affordable cycle insurance policies and if you order online, you can benefit from an additional 10% off, giving you even better value.

To find out more about our cycle insurance options, get a free online quote today. You can also contact us to speak to one of our friendly advisors, who will be happy to discuss your requirements in more detail.

Things to consider when choosing cycle insurance

When you choose to get bicycle insurance, one thing to think about is the type of riding that you do. For example, those who enjoy a gentle cycle on the weekends, or who use their bike to commute will probably be looking for a different level of cover than those cyclists who take part in competitions.

Here at E&L, our cycle insurance is available in two options, ensuring you get just what you need, without having to pay for anything you don't.

Our Leisure Plan is a cycle insurance plan designed for more leisurely pursuits, as well as road-based time trials. Alternatively, you may want to get the Compete Plan, which has been specifically designed for bikes used in racing competitions.

Whichever policy you select, your bicycle insurance will cover fire, theft, accidental loss and accidental damage, as well as personal accident and public liability.

You'll also enjoy the peace of mind that, should anything happen to your bicycle, the insurance will provide funds for replacement hire and emergency recovery. You'll also get new-for-old replacement on equipment under a certain age.

Additionally, for anyone who enjoys cycling in destinations outside of the UK, our bicycle insurance also includes worldwide use for up to 45 days per year, depending on the plan you choose.

E&L: the perfect choice for bicycle insurance

At E&L, we take great pride in offering excellent bicycle insurance at a low price. We've been providing specialist coverage in niche markets for over 70 years and during that time we have built our reputation by delivering options that our customers want, along with friendly client support.

Payment options for our cycle insurance include monthly and yearly plans. The monthly option is based on the lunar calendar (28 days) and offers a higher level of coverage.

Our cycle insurance policies are also backed by the Financial Services Authority (FSA), so whatever option you choose, you can rest assured that you'll be properly protected, no matter what happens.

To find out more, why not visit our cycle insurance FAQs and our policy information section? And be sure to keep up with the latest bicycle news - it's a great way to find out the latest information about this fabulous sport, and could even inspire your next cycling adventure.