| Company | Accidental Damage | Theft | Personal Accident | Worldwide Cover | Breakdown | Product | |
|---|---|---|---|---|---|---|---|
 | Yes | Yes | No | Yes | * Yes | Online insurance | Get A Quote |
 | Yes | Yes | TBC | Yes | Yes | Online insurance | Get A Quote |
| * Cover relates to the travel costs of returning home only. Please refer to the insurer’s policy document for full details. The BicycleInsurance.ie website is currently offline. TBC indicates the benefit could not be verified. Benefit levels were checked for accuracy on 16 November 2025. | |||||||
Compare Affordable Cycle Cover in Ireland
Cycling is one of the easiest and most enjoyable ways to get around, but replacing a damaged or stolen bike can be expensive. With the right bicycle insurance policy, you can ride confidently knowing your bike and accessories are protected, whether you’re commuting, training, or enjoying weekend rides.
In Ireland, the price of a new bicycle can range from a few hundred to several thousand euros. Comprehensive cycle cover helps protect that investment. Some policies allow cover up to the insured value shown on your policy schedule. Check how much cover is available for your bike.
We compare a wide range of Irish bicycle insurers offering protection for all types of bikes, from road and mountain bikes to electric bikes and tricycles. Benefits, limits, and terms can vary, so always check the policy schedule and insurer documents before you buy.
What Does Bicycle Insurance Cover?
Modern bicycle cover goes far beyond theft. Depending on your policy, you can include options for accidental damage, accessories, personal liability, and even cycling abroad.
Theft Cover
With theft unfortunately common across Irish towns and cities, this cover ensures you’re compensated if your bicycle is stolen or damaged in an attempted theft. Insurers typically replace your bike or reimburse repair costs, provided you’ve used an approved lock and secured it to a fixed object.
Accidental Damage Cover
If your bike is damaged in an accident or crash, your policy can help cover the repair costs. If it cannot be repaired, many insurers will replace it as new, up to the insured value shown on your policy schedule.
Frequently Asked Questions
Am I covered if I bring my bike abroad?
Yes, many Irish bike insurance policies provide worldwide cover for up to 90 days within any 12-month period. Check your policy wording for country restrictions and limits.
Does the policy apply to new and older bicycles?
Most insurers cover both new and second-hand bikes, typically up to three years old at the time of taking out cover. Once insured, your bike remains protected as long as you keep your premium payments up to date.
Do I need proof of purchase or ownership?
Yes. Keep receipts, photos, and your bike’s frame number safe. You’ll need to provide this evidence if you make a claim, along with details of your approved lock.
Is there an excess on claims?
An excess applies to most claims. This is the amount shown on your schedule that you contribute towards any payout.
How can I reduce the risk of bike theft?
Always secure your bike using an approved Sold Secure graded lock that is appropriate to the replacement value of your bike. Lock it to a permanent object, even at home, and store it indoors overnight whenever possible. These steps help ensure your policy remains valid.
What are common policy exclusions?
Exclusions vary by insurer but often include the following:
- Leaving your bicycle unlocked or unattended in public.
- Storing your bike in an unsecured car, open vehicle, or unlocked building.
- Damage from wear and tear, misuse, or poor maintenance.
- Costs for accessories not originally supplied with the bike.
- Claims within the first 14 days of taking out or changing your policy (varies by insurer).
Always review the policy wording carefully to understand the cover, benefits, and exclusions before purchasing.
Why Compare With Us?
We’re a 100% Irish-owned comparison site regulated by the Central Bank of Ireland. Established in 2014, our team has helped thousands of cyclists and families find trusted insurance cover at great value.
Looking for more protection? Compare our other policies too, from home insurance and travel cover to gadget insurance.
Thank you for visiting CompareInsuranceIreland.ie. Safe cycling!