• Cycle Insurance Made Easy
    Straightforward cycle insurance. Two simple packages.
    You choose the cover to suit your ride.
    Find out more
  • Comprehensive Cycle Insurance
    Protection at home, abroad and in competitions
    GET A QUOTE

Wiggle Cycle Insurance

The new standard in 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 make it easy for you to choose the right package for your ride

We don’t do tricksy

Our cycle insurance is designed to protect you, not confuse you with tricksy small print

Our Cycle Insurance

/ Essential

Essential Cover insurance for only $100 a year.
Non-Medicare medical costs $10,000
Accidental damage $1,500
Malicious damage $1,500
Income replacement $50,000
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 $100,000
Loss and damage in transit up to $1,500
Death lump sum payment $50,000
Funeral $5,000
Home help expenses $5,000
Chauffeur plan $4,000
Home and motor vehicle modifications $10,000
Counselling support $2,000
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.
Non-Medicare medical costs $10,000
Accidental damage $30,000
Malicious damage $30,000
Income replacement $50,000
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 $100,000
Loss and damage in transit up to $30,000
Death lump sum payment $50,000
Funeral $5,000
Home help expenses $5,000
Chauffeur plan $4,000
Home and motor vehicle modifications $10,000
Parent incovenience expense $2,000
View all benefits

Why insure with us?

Exceptional value policy benefits from Wiggle Cycle Insurance. Our policy benefits are geared to make your cycle 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, Wiggle will protect you for up to $10 000 000 of Third Party Liability Cover. An essential benefit to protect you financially.
    Personal Accident
    Personal Accident
    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.
    Emergency Private Medical & Dental
    Emergency Private Medical & Dental
    If you are injured as a result of a crash whilst riding your bicycle, we will reimburse your reasonable costs, up to a maximum of $10,000 in the aggregate over the period of insurance, for non-Medicare medical expenses incurred within 12 months of the injury.
    Emergency Physiotherapy
    Emergency Physiotherapy
    If you’re injured we know that you’ll want to get back on your bike as quickly as possible. If you sustain an injury whilst riding a bike, we’ll give you cover for emergency access to a physio of your choice.
  • 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, we’ll get you back in the saddle on a new shiny bike.
    Income Replacement
    Income Replacement
    If you are injured as a result of a crash whilst riding your bicycle and are unable to perform your usual or regular occupation, we will pay you UP TO $1,000 per week for a period of up to 50 weeks in any one period of insurance.
    Chauffeur Plan
    Chauffeur Plan
    If you are injured as a result of a crash preventing you from driving or using public transport, we will reimburse up to $4000 of the cost you incur for the hire of a suitable chauffeur vehicle or taxi.
  • 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.
    Active Cover
    Active Cover
    If you regularly front the peloton, race gnarly downhill trials, enjoy an occasional sportive or a charity challenge, Wiggle insures you for every type of mass participation event or competition.
    Global Travel
    Global Travel
    Whether you take your bike abroad for a leisurely holiday or for serious competition, Wiggle provides you with year round worldwide cover for cycling, competition and during transportation.
    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 to get covered.
  • Funeral Cover
    Funeral Cover
    Wiggle will provide up to $5000 to your beneficiaries in the event of death as a result of a cycling accident, towards the cost of funeral expenses.
    Home Help Expense
    Home Help Expense
    If you are injured as a result of a crash whilst riding your bicycle and these injuries prevent you from caring for yourself in your home, we will reimburse home help expenses up to $5000.
    Counselling Support
    Counselling Support
    If you witness an accident whilst riding your bicycle which results in the death of a cyclist, or you are killed in a cycling accident leaving loved ones behind, Wiggle will cover up to $2000 towards counselling support provided by a legally qualified psychologist or psychiatrist.
  • Third Party Liability
    Third Party Liability
    Accidents happen. If you’re responsible for damage or injury to other road users, property or pedestrians, Wiggle will protect you for up to $10 000 000 of Third Party Liability Cover. An essential benefit to protect you financially.
  • Personal Accident
    Personal Accident
    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.
  • Emergency Private Medical & Dental
    Emergency Private Medical & Dental
    If you are injured as a result of a crash whilst riding your bicycle, we will reimburse your reasonable costs, up to a maximum of $10,000 in the aggregate over the period of insurance, for non-Medicare medical expenses incurred within 12 months of the injury.
  • Emergency Physiotherapy
    Emergency Physiotherapy
    If you’re injured we know that you’ll want to get back on your bike as quickly as possible. If you sustain an injury whilst riding a bike, we’ll give you cover for emergency access to a physio of your choice.
  • 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, we’ll get you back in the saddle on a new shiny bike.
  • Income Replacement
    Income Replacement
    If you are injured as a result of a crash whilst riding your bicycle and are unable to perform your usual or regular occupation, we will pay you UP TO $1,000 per week for a period of up to 50 weeks in any one period of insurance.
  • Chauffeur Plan
    Chauffeur Plan
    If you are injured as a result of a crash preventing you from driving from driving or using public transport we will reimburse up to $4000 of the costs you incur for the hire of a suitable chauffeur vehicle or taxi.
  • 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.
  • Active Cover
    Active Cover
    If you regularly front the peloton, race gnarly downhill trials, enjoy an occasional sportive or a charity challenge, Wiggle insures you for every type of mass participation event or competition.
  • Global Travel
    Global Travel
    Whether you take your bike abroad for a leisurely holiday or for serious competition, Wiggle provides you with year round worldwide cover for cycling, competition and during transportation.
  • />Bike Box Cover” draggable=”false”></div>
<div class=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 to get covered.
  • Funeral Cover
    Funeral Cover
    Wiggle will provide up to $5000 to your beneficiaries in the event of death as a result of a cycling accident, towards the cost of funeral expenses.
  • Home Help Expense
    Home Help Expense
    If you are injured as a result of a crash whilst riding your bicycle and these injuries prevent you from caring for yourself in your home, we will reimburse home help expenses up to $5000.
  • Counselling Support
    Counselling Support
    If you witness an accident whilst riding your bicycle which results in the death of a cyclist, or you are killed in a cycling accident leaving loved ones behind, Wiggle will cover up to $2000 towards counselling support provided by a legally qualified psychologist or psychiatrist.
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What we cover

Wiggle Cycle 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!​

Insurance Comparison

Wiggle have made it easy for you to compare bicycle insurance. Our table below compares Wiggle Cycle 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 cyle insurance product that is relevant to their needs
  • / Help make your cycle insurance choice less confusing and easy to buy
  • / Deliver cycle insurance that is great value for all types of cyclists

We don’t do tricksy.

We don’t believe in tricksy policy wording, we’ll always be up front with any questions you may have and we won’t try to catch you out with the smallprint. We don’t upsell you benefits that you may not need. We are straightforward cycle insurance that you can rely on.

Testimonials

Trust Pilot Trust Pilot Ratings
8.7 out of 10
“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