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Bicycle insurance Ireland

Are you searching for the best bicycle insurance? Get a cheap bicycle insurance quote online in Ireland today and save. A standard bicycle insurance policy should cover a bicycle (and bicycle owner) used for fun, commuting or sport against unfortunate incidents, such as theft, damage, breakdown and personal injury, and so much more.

In Ireland, the cost of purchasing a bicycle can range from hundreds to thousands of euro, so it is comforting to know that these environmentally friendly, healthy and fun modes of transport can be insured for up to €6,000.

We cover all forms of bicycles, from tricycles to mountain bikes, at home and abroad. Please note that benefits, limits, terms, and criteria may vary; we recommend you carefully read the insurance schedule and policy wording. We have outlined some frequently asked questions below for you to review.

What does bicycle insurance cover?

Are you searching for cheap bicycle Insurance in Ireland? As more and more people are using the humble bicycle to commute to and from work, it is now more important than ever to review the different types of cover available, mainly concerning personal injury. Some of the main benefits include theft, accidental damage and personal injury.

Theft Cover

As bicycles become more advanced and expensive, they attract even greater attention from unsavoury characters, who can steal and resell a bike within 24 hours. Theft cover means the insurer will replace the bicycle due to theft, replace parts that have been taken or fix the damage done to the bike after a failed theft attempt.

Accidental Damage Cover

An insurance policy will cover you for a damaged bicycle due to an accident. If your bike develops a mechanical fault not covered by your warranty, your plan should cover the cost of these repairs.

Personal Injury

With more and more cars, articulated trucks, buses and the Luas on the road, it is vital to insure yourself against injury while out cycling. You will receive compensation for personal injury, including loss of limbs, sight and total disablement in the event of an accident. If the collision results in your death, your beneficiary will receive compensation. Compensation amounts for the above typically range from five to ten thousand euro. See the policy schedule for complete details.

Cycling insurance FAQs

Am I covered if I bring my bicycle abroad?

There are policies available that offer comprehensive cover for taking your bicycle abroad.

Does cover apply to new and older bicycles?

Most insurance packages cover new and not so new bicycles. However, bikes should be of a certain age, typically up to a maximum of three years old. Once insured, your bicycle will stay covered as long as you maintain your premiums.

Do I need evidence of cost and ownership?

As with most types of insurance, it is essential to keep receipts, photographs, frame and model numbers etc. You will need this to submit a claim.

Will I have to pay an excess amount in the event of a claim?

As with most insurance packages, there will be an excess limit that you will have to pay towards the claim. The excess is generally €25 or the amount on your policy schedule equal to 5% of the insured value, whichever is the higher amount.

What should I do to protect my bicycle?

To ensure that your policy pays out in the instance of theft, you must safeguard your bicycle while out in public. You need to invest in a certified lock. Don’t forget to lock your bike to a permanent object.

Bicycle insurance exclusions?

As bicycles are prone to theft and accidental damage, there will be some coverage exclusions on your policy:

A. Theft:

  • You are not covered if you leave your bike in an unsecured car.
  • You are not covered if you leave your bicycle in a convertible vehicle where the roof has been left open.
  • You are not covered if you store or leave your bike in an unsecured building or site.
  • You are not covered if you store your bike in an opened vehicle boot or roof rack if nobody is in the vehicle.
  • You are not covered if you have given your pedal bike to a friend, colleague or relative. Even with immediate family members, you must add them to the policy.
  • You are not covered if you leave your bicycle unattended in public without locking it to a secure object.

B. Where damage has resulted from:

  • You are not covered if you have failed to follow the manufacturer’s instructions and guidelines.
  • You are not covered if you have damaged or deliberately put your bicycle at risk.
  • You are not covered if you have failed to keep your pedal bike in good working order through proper servicing and maintenance of breaks, etc.
  • You are not covered if you have not put the necessary accessories onto your bicycle, e.g. lights, bell, etc.

C. Costs resulting from:

  • Natural wear and tear
  • When you allow a non-approved person to repair your bicycle.
  • Regular maintenance expenditures, e.g. fixing a puncture, etc
  • Any repair carried out not previously authorised by the insurer.
  • Costs related to the non-use of the bicycle.
  • Expenses relating to a claim made within a certain period of taking out or modifying a policy, generally within the first 14 days. However, this will vary depending on the insurer.
  • Costs relating to accessories such as tyres, saddle, mudguards etc
  • Accessories not originally part of the bicycle at the time of purchase.
  • Claims resulting from acts of war, nuclear incidents or the effects of an overhead aircraft’s sonic boom.
  • VAT if you can reclaim this through your company.
  • Any incident not explicitly covered by the policy.

Bicycle insurance benefits, limits, criteria and definitions may vary from insurer to insurer, so it is essential to read the policy wording carefully. Thank you for visiting our bicycle insurance page; safe cycling!