• Comprehensive Cycle Insurance
    Protection for you and your bike at home, abroad and in competitions
    GET A QUOTE

Wiggle Cycle Insurance

The new standard in bicycle and cycle insurance

Why we are better

Why we’re better

Compare our stand out benefits and find out what they mean for you as a cyclist.
Cycle insurance made easy

Cycle insurance made easy

Two straightforward packages. We’ve made it easy for you to choose the right package for your ride

We don’t do complicated

Our bicycle insurance is there to help protect you, and designed to give you a peace of mind while riding

Our Cycle Insurance

/ Essential

Essential Cover insurance for only $100 a year provides the following cover up to the limits listed below.
Non-Medicare medical costs $1,000
Accidental damage $1,500
Malicious damage $1,500
Theft at or away from home $1,500
3rd Party Property Cover $10,000,000
3rd Party Bodily Injury Cover $10,000,000
Permanent injury $10,000
Loss and damage in transit $1,500
Death lump sum payment $10,000
View all benefits

/ Comprehensive

Comprehensive Cover insurance could be for you if you’re looking for cover for racing, travel and up to $30k of theft. Limits are as follows.
Non-Medicare medical costs $1,000
Accidental damage $30,000
Malicious damage $30,000
Theft at or away from home $30,000
3rd Party Property Cover $10,000,000
3rd Party Bodily Injury Cover $10,000,000
Permanent injury $10,000
Loss and damage in transit $30,000
Death lump sum payment $10,000
View all benefits

Why insure with us?

Exceptional value policy benefits from Wiggle Bicycle Insurance. Our policy benefits are geared to make your bicycle insurance experience straightforward and your claims process as smooth as possible. View our full list of benefits.
  • Third Party Liability
    Third Party Liability
    Accidents happen. If you’re responsible for damage or injury to other road users, property or pedestrians whilst riding the insured bicycle, Wiggle can protect you for up to $10,000,000 of Third Party Property Damage Cover and $10,000,000 for Third Party Bodily Injury. An essential benefit to protect you financially.
    Personal Accident: Death Lump Sum or Permanent Loss
    Personal Accident: Death Lump Sum or Permanent Loss
    In the event of a serious injury or death sustained from riding your insured bike, we’ll provide up to $10 000 of personal accident cover to give your family peace of mind. You shouldn’t risk riding without it.
    Personal Accident: Non-Medicare medical cost
    Personal Accident: Non-Medicare medical cost
    If you are injured as a result of a crash whilst riding your insured bicycle, we will reimburse your reasonable costs, up to a maximum of $1,000 in the aggregate over the period of insurance, for non-Medicare medical expenses incurred within 12 months of the injury.
    Theft & Accidental Damage
    Theft & Accidental Damage
    If your bike is stolen or accidentally damaged, we’ll sort it out. We even insure your bike when locked in your car or when secured to your roof rack.
  • New for Old
    New for Old
    If you’ve purchased a new bike that is stolen or damaged beyond repair within 2 years of the purchase date, with our Comprehensive cover we can assist to get you back in the saddle on a new shiny bike.
    Taxi Fare Reimbursement
    Taxi Fare Reimbursement
    The reasonable cost of transportation for you and your bicycle to the nearest public transport station, bicycle repair shop or your home, whichever is nearer, if your bicycle breaks down and cannot be repaired at the breakdown scene. We will pay up to $65 during any one period of insurance.
    Worldwide Cover Extension
    Worldwide Cover Extension
    Whether you take your bike abroad for a leisurely holiday or for serious competition, Wiggle provides you with up to 90 days overseas travel with your Comprehensive Policy as long as you advise us in advance of your travel.
    Bike Box Cover
    Bike Box Cover
    If your bike box gets damaged, lost or stolen we will provide you with a replacement. Just add your bike box to your list of accessories listed on your Comprehensive policy to get covered.
  • Replacement Cycle Hire
    Replacement Cycle Hire
    The reasonable cost of hire of a comparable bicycle when your bicycle is damaged in a claimable event while in transit or being used for non-commercial purposes abroad and policy is endorsed for Worldwide Travel Extension. We will pay up to $500 during any one period of insurance.
    Listed Riding Gear and Apparel
    Listed Riding Gear and Apparel
    At Wiggle we know how valuable cyclists kit can be so we offer an optional cover to protect your clothing and/or footwear (amongst loads of other kit) in the event they’re stolen or damaged.
  • Third Party Liability
    Third Party Liability
    Accidents happen. If you’re responsible for damage or injury to other road users, property or pedestrians whilst riding the insured bicycle, Wiggle can protect you for up to $10,000,000 of Third Party Property Damage Cover and $10,000,000 for Third Party Bodily Injury. An essential benefit to protect you financially.
  • Personal Accident : Death Lump Sum or Permanent Loss
    Personal Accident : Death Lump Sum or Permanent Loss
    In the event of serious injury or death sustained from riding your bike, we’ll provide up to $100 000 of personal accident cover to give you and your family peace of mind. You shouldn’t risk riding without it.
  • Personal Accident: Non-Medicare medical cost
    Personal Accident: Non-Medicare medical cost
    If you are injured as a result of a crash whilst riding your insured bicycle, we will reimburse your reasonable costs, up to a maximum of $1,000 in the aggregate over the period of insurance, for non-Medicare medical expenses incurred within 12 months of the injury.
  • Theft & Accidental Damage
    Theft & Accidental Damage
    If your bike is stolen or accidentally damaged, we’ll sort it out. We even insure your bike when locked in your car or when secured to your roof rack.
  • New for Old
    New for Old
    If you’ve purchased a new bike that is stolen or damaged beyond repair within 2 years of the purchase date, with our Comprehensive cover we can assist to get you back in the saddle on a new shiny bike.
  • Taxi Fare Reimbursement
    Taxi Fare Reimbursement
    The reasonable cost of transportation for you and your bicycle to the nearest public transport station, bicycle repair shop or your home, whichever is nearer, if your bicycle breaks down and cannot be repaired at the breakdown scene. We will pay up to $65 during any one period of insurance.
  • Accessories & Clothing
    Accessories & Clothing
    At Wiggle we know how valuable cyclists kit can be so we offer an optional cover to protect your GPS, clothing, footwear (amongst loads of other kit) in the event they’re stolen or damaged.
  • Worldwide Cover Extension
    Worldwide Cover Extension
    Whether you take your bike abroad for a leisurely holiday or for serious competition, Wiggle provides you with up to 90 days overseas travel with your Comprehensive Policy as long as you advise us in advance of your travel.
  • >Bike Box Cover
    Bike Box Cover
    If your bike box gets damaged, lost or stolen we will provide you with a replacement. Just add your bike box to your list of accessories listed on your Comprehensive policy to get covered.
  • Replacement Cycle Hire
    Replacement Cycle Hire
    The reasonable cost of hire of a comparable bicycle when your bicycle is damaged in a claimable event while in transit or being used for non-commercial purposes abroad and policy is endorsed for Worldwide Travel Extension. We will pay up to $500 during any one period of insurance.
  • Listed Riding Gear and Apparel
    Listed Riding Gear and Apparel
    At Wiggle we know how valuable cyclists kit can be so we offer an optional cover to protect your clothing and/or footwear (amongst loads of other kit) in the event they’re stolen or damaged.
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What we cover

Wiggle Biycle Insurance is designed to protect every type of bicycle. There’s no need for specialist mountain bike insurance, triathlon insurance or road bike insurance – our straightforward policy fits all!
  • Road Bikes
    Road Bikes
    Whether you race or cycle for fun we can insure you and your bicycle against the risks you may face on the road.
     
  • Mountain Bikers
    Mountain Bikes
    Whether you enjoy cross country or the adrenaline of downhill, our cycle insurance protects both rider and equipment in their pursuit for off road thrills.
     
  • E-Bikes
    E-Bikes
    We have thought of everything so you don’t have to. Our E-Bike cover offers you everything you would expect from a specialist bicycle insurer.
     
  • Hybrid Bikes
    Hybrid Bikes
    Bicycle insurance for riding on multiple terrains. Your trusty hybrid will be covered for both on and off road riding.
     
  • Commuter Bikes
    Commuter Bikes
    Commute in confidence in the knowledge that you’re insured when riding on busy City roads.
     

Insurance Comparison

Wiggle have made it easy for you to compare bicycle insurance. Our table below compares Wiggle Bicycle Insurance with other providers and organisations offering insurance to cyclists. It’s easy to compare on price but you should always check what is actually included in the price you have been quoted.
/ Wiggle Insurance
/ Home & Contents
/ Cycling Membership Programme
/ Specialist Cycling Insurers
Accidental Damage
yes
no
unlikely
yes
Theft - Home and away
yes
yes
no
yes
Zero Admin Fees
yes
unlikely
yes
yes
Income Replacement
yes
no
yes
unlikely
Personal Accident
yes
no
yes
yes
Public Liability
yes
unlikely
yes
no
View full comparison
Accidental Damage
Theft - Home and away
Zero Admin Fees
Income Replacement
Personal Accident
Public Liability
Wiggle Insurance
Home & Contents
Cycling Membership Programme
Specialist Cycling Insurers
yes
unlikely
yes
no
yes
unlikely
yes
no
yes
unlikely
yes
no
yes
unlikely
yes
no
yes
unlikely
yes
no
yes
unlikely
yes
no
View full comparison

About Wiggle Cycle Insurance

Let us introduce ourselves

We are the online retailer run by people who love cycling. We know the highs and lows of cycling and that’s why we’ve developed Wiggle Cycle Insurance – we want people to experience the joy of cycling without having to worry about the bad stuff. We’re on a mission to:
  • / Provide anyone who cycles with a bicycle insurance product that is relevant to their needs
  • / Help make your bicycle insurance choice less confusing and easy to buy
  • / Deliver bicycle insurance that is great value for all types of cyclists

We don’t do complicated.

Our bicycle insurance is there to help protect you, and designed to give you a peace of mind while riding. We don’t upsell you benefits that you may not need. We are straightforward bicycle insurance that you can rely on.

Testimonials

Trust Pilot Trust Pilot Ratings
“Excellent. Truly premium service.”Excellent, excellent and excellent again. My bike’s frame broke and I reached out to my insurance. Honestly, I thought I would be a stressful and complicated situation but the guys from Wiggle handled it like absolute PROs. My policy was managed by Stephan and from start to finish he dealt with me like an absolute gentleman. My claim was resolved in one week and I am extremely happy with the outcome. I had one bike insured with Wiggle, now I am insuring a second one.I can’t recommend these guys enough. Keep it up Wiggle!
Stefan
“Excellent service when you really need it”I originally purchased the insurance because it was a good price and provided excellent coverage, and having had good experiences with Wiggle generally I figured their insurance should also be a great product. I recently had an accident that resulted in a cracked carbon frame, and I could not praise Wiggle highly enough for how the claim was managed. I was looked after by Conrad de Jongh who was nothing but professional and efficient throughout my claim. They were also happy to offer me a cash settlement to the value of the repair costs, which means I do not have to live with the slight distrust of a repaired carbon frame. All in all, I cannot think of a single way my claim could have been handled better, and I could not recommend Wiggle Insurance more highly.
Tim Womack