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Push Bike Insurance: compare cheap insurance quotes for your pushbike
You probably already know that you aren’t obligated to take out pushbike insurance, even if you ride your bike on the road alongside vehicles that do have a legal obligation to carry insurance (cars, vans, motorbikes etc).
There are a number of reasons for that, but the most obvious ones are the fact that push bikes are likely to inflict much less damage on third parties in the event of an accident, and push bikes often cost considerably less to replace than a car or motorcycle if they are damaged or destroyed.
Of course, just because you aren’t legally obliged to insure your pushbike doesn’t mean you shouldn’t consider it.
In fact, there are a few very good reasons to insure your push bike, including:
- The risk of theft: Data from an annual crime survey carried out by the Office for National Statistics indicates that more than 300,000 bicycles are stolen each year in the UK. A relatively cheap push bike insurance policy could help pay to replace your bike if it’s ever stolen.
- The risk of a personal liability claim: If you injure a pedestrian or damage a car or other property while riding your pushbike you could find yourself lumbered with a liability claim, which you’d have to cover yourself if you didn’t have push bike insurance.
- The risk of personal injury: If you’re injured yourself while riding your pushbike but are unable to claim on someone else’s insurance (because you collided with an uninsured cyclist, for instance) you could receive a personal injury pay-out from your own provider – provided you have push bike insurance in place at the time of the accident, of course.
Insuring a pushbike: A straightforward guide
How much does push bike insurance cost?
It’s difficult to give an average premium for push bike insurance because the calculation will be based on a wide range of factors, such as your postcode, the crime rate in your local area, the type of push bike you own, its estimated value, the type of locking device you use when securing the bike and whether or not that locking device is insurer-approved.
The best plan is to use our bicycle insurance comparison service to compare quotes from a range of providers, and then go for the most suitable policy at the most competitive price.
How can I find cheap push bike insurance?
There are a number of things you can do that will increase your odds of finding cheap push bike insurance. Here are four, for starters:
* Use an insurer-approved lock when you’re securing your push bike: Locks that are rated as ‘Sold Secure’ are approved by most push bike insurers, but there are three Sold Secure ratings (Gold, Silver and Bronze) so you’ll need to make sure you choose a lock with a rating that matches the value of your bike. If your bike has an insurable value of £1,000 or more, for instance, your insurer might insist that you secure it with a Gold Sold Secure lock, whereas Silver or Bronze locks might satisfy your insurer if your push bike is less valuable.
* Register your push bike on bikeregister.com, the UK’s national cycle register database: It’s free to register, and if you also buy one of the register’s security marking kits the cost of your insurance could fall a little.
* Opt for a higher voluntary excess: If you increase the excess on your insurance policy you could be offered cheaper push bike insurance premiums.
* Add your bicycle to your home insurance policy: If your bike isn’t a high-end model you could be able to add it to your standard home insurance policy, which would mean your bicycle is covered without the need for a separate insurance policy. However, it’s important to double check the small print if you choose to cover your bike under your home insurance, as some policies may only insure your bicycle while it’s stored at your own home.