Contents insurance | Bicycle cover

Bicycle insurance

Insure your bicycle along with all your other valuable possessions. Comprehensive contents insurance, starting from £75,000 up to £500,000, covering theft, accidental damage, and more. Get a quick quote in 5 minutes.

We offer complete cover contents insurance. Living room scene with rivr fingerprint covering wall and floors to show it's protected

Simplify your bike insurance. One policy, comprehensive coverage for all your belongings

Buying standalone bicycle insurance can be expensive and time-consuming. Why waste your time and money dealing with multiple policies when one can cover everything?

Protect your bicycles and cycling equipment with a contents policy designed specifically for people with more to protect.

Benefit from all-risk protection against theft, loss, and accidental damage, ensuring your bikes will be covered at all times, wherever you take them.

One policy, total coverage

The ultimate insurance for cyclists. Cover for your home, its contents, and all of your bikes under one policy.

One of the key rivr distinctions is that we provide all risks cover. Essentially, unless the policy wording explicitly says that something isn’t covered, or that it has a limit, then it’s covered. No second guessing or ambiguity for you.

Bikes included as standard

All bicycles are included with your general contents cover as standard with no single item limits.

Worldwide cover as standard

Your bikes and all of your other personal possessions are covered away from your home.

Protect all of your things with a better level of cover

Everything else is covered as standard, including your phone, laptop, and all of your cycling gear.

The rivr standard

Easier to understand

One policy, not multiple, to cover your home and all your possessions, with less ambiguity and no trip hazards.

Better cover, fair price

Better cover than normal insurance at a fair premium that gives you confidence in the level of cover you receive.

Fast and friendly

Simplified process, enhanced with data, gives you a live online quote in 5 minutes.

“got a quote back straight away. No need for a lengthy phone call or documents to be emailed back and forth. Best part of all - they were the cheapest with still great cover”

Anna

“Competitive contents premium and super simple process buying cover through the website. Comprehensive cover of jewellery was a nice surprise too. Really easy to contact Rivr.”

Edward

What’s covered?

Multi-bike protection

Our cover provides comprehensive protection for your and your family's bicycles.

Cycling equipment

Cover for your cycling equipment, tech, and clothing.

Worldwide cover

Your bicycles and all of your other possessions are protected worldwide if they’re lost or damaged.

worldwide cover

Theft protection

Comprehensive bicycle theft insurance that protects your bikes whether at home or out on the road.

Accidental damage

We will pay for damage caused to your bicycle accidentally.

accidental damage cover

New purchases and substitutions

Automatic cover extends for 60 days for any new bikes or gear you purchase, up to an additional 25% of your contents sum insured.

new purchases cover

Your homes contents

All your home's contents. It is a long list but most things are covered as standard, and more than you expect.

home contents cover

Valuables under £25,000

Jewellery, watches, fine art and antiques worth up to £25,000 each covered as standard. Proof of ownership and value is required if you claim.

valuables, jewellery, art and watches cover

Valuables over £25,000

Jewellery, watches, fine art and antiques worth over £25,000 each are covered but need to be individually specified. Proof of ownership and value is required if you claim.

valuables, jewellery, art and watches cover

Alternative accommodation (Contents Cover)

If you can't live in your home for up to 3 years due to some insured damage we will pay for somewhere else for you to live or cover your rent if you rent your home.

alternative accommodation cover

Replacement locks

We will pay for costs to replace locks on external doors, alarms, and safes after the loss or theft of your keys.

replacement lock cover

Fine art and antiques market appreciation

If the market value of a fine art or antique piece has appreciated within the last 3 years we will pay up to 150% of its insured value if you have a valuation in place.

fine art market appreciation cover

Death of an artist

If your art appreciates in value due to the death of an artist you will still be covered as long as you have a professional valuation in place.

death of an artist cover

Office equipment

We will pay up to £20,000 per claim for office equipment, and £10,000 for business stock.

office equipment cover

Outdoor items

We will pay up to £2,500 per item for garden furniture, statues, barbecues and items that live outside.

bbq outdoor items cover

Small vehicles

We will pay up to £5,000 per claim for land vehicles like lawnmowers, quad bikes, and Segways.

small garden vehicles cover

Boats and watercraft

We will pay up to £5,000 for watercraft like dinghies, surfboards and small boats.

boat and watercraft cover

Storage

We will pay up to 25% of your contents sum insured for loss or damage to your belongings that are kept in storage. Limited to certain events.

items in storage cover

See what else is covered under contents cover

Read the policy wording to see full cover details, what else we cover, and to understand what is not covered.

policy search

Additional cover as standard

Unlike many other insurers, we don't up-sell you add-ons, bolt-ons or so-called extensions. Here's some of what's also included in your policy, as standard.

Home emergency cover

Covers repair costs up to £1,500 in case of an emergency.

Liability cover

Covers your liability if something happens at your home.

complete cover

Family legal protection cover

Covers you against a wide range of legal costs associated with a wide range of disputes.

What’s not covered?

We’ve worked hard to keep this list as short as we can, but here are some of the things that are not covered under your policy.

Only a summary of the policy's coverage is presented on this page. Read these documents to fully understand what is and isn't covered.

Policy Wording Insurance Product Information Document

Existing and deliberate damage

There is no cover for loss or damage occurring outside your period of insurance, or caused intentionally or through criminal acts by you.

Building works over £75,000

There is no cover for loss or damage resulting from building works that cost more than £75,000.

Confiscation

There is no cover for loss, damage or liability from confiscation or holding your property from officials or authorities.

Loss of value and indirect losses

There is no cover for any decrease in value as a result of a repair or replacement, or any loss not directly related to a valid claim.

Gradual wear and tear

There is no cover for any gradual damage and wear and tear, guarding against long-term deterioration or aging of property.

Defective design, breakdowns and faults

There is no cover for any loss, damage or liability as a result of design flaws, workmanship, or mechanical and electrical faults or breakdowns.

Unoccupied homes

There is no cover for losses when your home is unoccupied for over 45 days, and certain precautions listed in the policy wording have not been taken to safeguard your home and heating system during certain periods.

Let properties and business use

There is no cover for any loss, damage or liability from any part of your home that is let or is used for business purposes.

Electronic data

There is no cover for loss, damage or liability from computer viruses or data corruption.

Pollution and contamination

There is no cover for loss, damage or liability from pollution or contamination except in specific circumstances listed in the policy wording.

Nuclear and radioactive hazards

There is no cover for loss or damage or any legal liability from radioactive materials or nuclear components, or from potentially catastrophic events like radiation leaks.

War and terrorism

There is no cover for direct or indirect damages resulting from war, civil disturbances, or terrorist acts.

Your excess

Your excess as detailed in your policy schedule.

Damage to items during transportation

There is no cover for items improperly packed or secured during transport.

Damage or liability from malicious gun use

There is no cover for damage or liability from intentional or malicious use of guns is not covered.

Theft from unlocked and unattended vehicles

There is no cover for items stolen from an unattended vehicle are only covered if force and violence were used to gain entry. Additionally, the items must have been hidden from view or locked in the boot or glove box.

Lost deliveries

There is no cover for undelivered goods or services purchased online.

Loss of value from repairs

There is no cover for loss of value to contents following repair, replacement, or reinstatement.

Warping or shrinkage

There is no cover for loss or damage due to warping or shrinkage.

Some subsidence or heave damage

There is no cover for loss or damage caused by subsidence, heave or landslip to the following:

  • As a result of faulty design, specification, workmanship or design;
  • Where the damage is covered by another insurance policy, guarantee or by-law;
  • Caused by river or coastal erosion; or
  • Whilst the buildings are undergoing structural repairs, alterations or extensions

Your bicycle insurance questions answered

Insurance can be complicated and hard to understand, these are some of our most common questions.

I own multiple bicycles, can they all be covered under the same policy?

Yes. Your policy will cover multiple bicycles, including road bikes, mountain bikes, and any other type of bicycle you own. This means you can enjoy comprehensive protection for your entire bike collection without the need for separate policies.

Is there a value limit on bicycles covered?

No there is no limit on the value of bicycles covered under our contents insurance meaning you can protect high-value bikes with confidence.

Do I need to register my bike separately for coverage?

No, your bikes and cycling kit are covered under general contents. This means you won't have to spend time listing individual bikes and cycling kit.

Is my cycling kit and tech covered too?

Yes, your cycling kit and tech will be covered under your home contents insurance policy. This includes items like helmets, clothing, cycling shoes, GPS devices and indoor cycling equipment including smart trainers.

Does bicycle insurance include theft?

Yes, our contents insurance will cover your bicycle for theft whether at home or out and about, or even abroad.

What is accidental damage?

Accidental damage in cycling insurance refers to physical damage to your bicycle that occurs due to an unexpected event or mishap, such as a breakage caused by a collision or crash.

Will my bicycle be covered for cycling holidays abroad?

Yes, our comprehensive contents cover provides worldwide protection for your bikes and all of your other valuable possessions, ensuring you have peace of mind while travelling.

How do I make a bicycle insurance claim?

You can make a claim by contacting our specialist claims team, Questgates.

For details on how best to contact them please click here.

What kind of proof of ownership would I need for a bicycle claim?

You would need to provide evidence such as the original purchase receipts or invoices.
We’re always here to help

Call or message us anytime to clear anything up, we also we offer a complimentary quote-comparison call to help you get the correct cover (even if it isn’t ours).

Schedule a call

How it works

Need a bit more explanation? Then head to our FAQs page where you’ll find loads of answers to our most commonly asked questions.

FAQs
personal risk details

One

You answer a few questions about yourself, your home and what you are looking for.

simple form

Two

Review your quote and any conditions of cover

Note: Some quotes need to be reviewed by our team, this will be done within a day. If we have additional questions, we’ll get in touch.

protected

Three

Accept your quote and pay. That’s it.

manage cover online

Control your cover

Manage your policy online
Review, add to, remove or change your cover online at any time.

Make a claim
Submit claims through your account and our specialised claims partner will handle your claim.