Cycleplan Bike Insurance

As the price of our bikes rocket up in line with technology, so does their attraction to thieves. Many bike are in the thousands of pounds brackets rather than the hundreds of pounds. It has often occurred to me that a separate insurance policy for my bike would be a good thing. Now specialist Insurance companies are coming up with bespoke insurance which is tailor made for you based around the type of cycle and the type of cycling you will be doing.

One such insurance company is Cycleplan.

Cycleplan Bike Insurance is specialist a cycling insurance from Ripe, one of the UK’s leading niche insurance providers. The cycle insurance specialists behind Cycleplan recognised the limitations of many household insurance policies in terms of covering cyclists, their bicycles and their accessories. With Cycleplan you can tailor your bicycle insurance policy to suit your bike and the specialist cover that you need. Cycling insurance is a simple, affordable way to cover you and your equipment so you can concentrate of the sport you love.

We’ve been doing insurance differently at Ripe for 20 years. Our fresh approach to insurance is all about making insurance easy-to-buy, simple-to-understand, jargon-free and excellent value. This approach has helped us attract nearly 200,000 sports, leisure, personal and business insurance policyholders and over 1 million website visitors every year.

Having your bike stolen is a worry we all share and there isn’t one cyclist who hasn’t had their bike stolen or knows someone who has. Our insurance cover will put your mind at ease.

500,000 bikes are stolen every year in the UK. With the current cycling boom, there are more bikes on our streets, often left in poorly secured areas despite their high value, making them easy picking for bike thieves.

Although it sounds a little extreme, our bikes are an extension of ourselves. We pay out our hard-earned money for them, we clean and maintain them, and whenever we get a chance, we spend as much time with them as possible. Those who don’t ride bikes will never understand the pain of having your bike stolen.

Cycleplan insurance will cover your bike should it get stolen, providing it’s locked correctly using an approved lock. But to avoid making a claim, there are a few things you can do to minimize the risk.

Bike Theft Prevention

1. Register your bike

It’s important you register your bike. Not only can it help deter thieves, it will also assist the police in identifying the bike and increase the chances of your bike returning home.

Several companies offer bike identification and it doesn’t cost a penny. is the UK’s leading online bicycle registration initiative that is aimed at reducing bicycle theft and is used by every police force.

2. The best lock money can buy

Under most insurance policies, you won’t be covered for bike theft if the lock isn’t approved so it makes sense to invest in the best lock you can afford. Why spend thousands of pounds on a new bike and not take the proper precautions to safely secure it?

Remember, you get what you pay for when it comes to locks. A cheap looking lock will offer little security and be an easy target for a bike thief. All lock manufacturers have their own protection rating and are a reasonable indicator of its strength. In most cases, the better the lock, the more expensive it will be.

3. Keeping your bike safe

Don’t leave your bike in an isolated spot. Don’t lock your bike against an object that can be moved. Don’t leave your bike unlocked even if it’s for a moment. All these things will help reduce the risk of your bike being stolen. And, even if it is securely locked, try to keep it somewhere where you can keep an eye on it.

Bikes can be lifted from almost anywhere, but some areas are more popular targets among thieves than others.

On street parking is the most vulnerable spot for bikes being stolen when out and about but there are many other areas too. According to statistics, two-thirds of thefts in the UK occur in and around the victim’s home, most notably gardens, passageways between houses and outbuildings such as sheds and garages.

Many cyclists simply don’t go to the effort of securing their bikes once they return home in the belief that their property is enough of deterrent against bike thieves. But it’s not. When you return home, ensure your bike is properly secured.

4. Best locking practice

Even if you have the best rated, most expensive bike lock available, if you don’t know how to efficiently use it to secure your bike properly, it’s not going to do its job and keep your bike secure. There are many elements to locking a bike correctly, some you may not be familiar with.

Our Policy Guarantee

Lowest price guarantee

We are confident you won’t find another policy that closely matches your needs, for a lower price. So should you take out a policy and within 14 days find the same levels of cover elsewhere for less, we’ll refund the difference.

No premium penalty following a claim

If you are unfortunate enough to suffer a loss and have to make a claim then we won’t penalise you upon your next renewal.

14 day money back guarantee

If you decide that the policy isn’t right for you, and you haven’t claimed within the first 14 days, we will refund your premium in full without any questions being asked.

A UK-based knowledgeable customer service team are on-hand to answer any questions you may have.

Cycleplan® is a registered trademark and trading name of Ripe Insurance Services Limited which is Authorised and Regulated by the Financial Conduct Authority No.313411. Terms and conditions apply. Policy wording available on request or online.

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