why bicycle cover matters

Unexpected Accidents: Why Bicycle Cover Matters

Written by Steph McCulloch


From protecting your investment to ensuring peace of mind on the road, explore the invaluable benefits of safeguarding your two-wheeled companion with comprehensive bicycle insurance.
a lady in sunglasses and an orange tracksuit sitting on a bike in a grassy field with a retriever next to her


Whilst we’re sure you’re pretty familiar with Waggel and the importance of pet insurance. Are you as clued up on other types of insurance? If not, don’t fret. We’ve partnered with Sundays Bicycle Insurance, a leading London-based insurance company to discuss the perks of bicycle insurance.

Whether you’re an experienced roadie or a biking newbie, insurance could help you protect what matters most and keep you safe out there in the world. We’ve compiled a list of the most frequently asked questions when it comes to bicycle insurance and are here to share it with you.

Is it worth insuring my bike?

Insuring your bike isn’t a legal requirement but it can be a very sensible thing to do. Insurance for cyclists can protect you, not just from theft, but from accidental damage, perfect if you use your bike for racing and travelling.

Insurance from Sundays can help you stay on track (quite literally) and protect you against any kind of incident. It’s also designed to offer you total peace of mind so you can focus on what really matters - you and your ride.

Insuring your bike is a worthwhile decision to make and can help save you from hefty fees in the event you’re involved in an accident or your bike is stolen/damaged. Whilst you may have never considered taking out an insurance policy for your bike, think of all the good it could provide.

two cyclists on a road with trees on either side

What is covered in bicycle insurance?

Sundays offer comprehensive insurance for bicycles and e-bikes at incredible prices. By taking out bicycle insurance, you can benefit from the following cover:

  • Accidental damage

  • Theft from and away from home

  • Domestic travel with your bicycle

  • Transporting your bicycle on a bike rack

  • New for old

  • Replacement bicycle hire reimbursement

  • Taxi fare reimbursement

  • Malicious damage

  • And optional coverage options you can add on your cyclist insurance such as accessories and apparel, racing cover, worldwide cover and optional extra wheelsets

Can I insure my electric bike?

Yes! With Sundays, the sky's the limit. Their team of experts work hard to include every kind of cyclist in their policies. Your electric bike policy can be customised to your lifestyle meaning you’re covered whether you use it for the daily commute, to race, or to exercise.

Sundays know better than anyone that a bike isn’t just a bike, it’s a prized possession that means a lot and can help you safely get from A to B every day.

Because of their price tag, e-bikes can be a target for thieves, especially in busy cities.

Having tailored e-bike insurance can help to protect you should your bike be stolen or damaged. Your policy also includes accidental damage protection because let’s be honest, how many of us have fallen off our bikes before? Sundays cover the repair of your bike or will replace any damaged parts for you, it really couldn’t be easier.

two cyclists stood with their bikes against a pink brick wall

Does my home insurance cover my bicycle?

Whilst covering your bicycle under your existing home and contents policy may seem like the simplest thing to do, it can leave you in a bit of a pickle if you rely on your bike a lot.

Lots of home and contents insurance policies can be a bit sneaky and don’t cover bike theft if your bike is stolen away from your property. Some only offer up to £300 in the event of theft, which can be pretty disappointing if you’ve just forked out a few thousand on a new bike.

Sundays offer specialist bicycle insurance that goes above and beyond home and contents insurance. Their level of cover is unmatched and includes bicycle-specific cover for incidents, wheelsets, accessories, travel and transport.

Specific bicycle insurance also doesn’t include the same type of excesses as home and contents insurance typically does, meaning your premiums won’t increase when you claim with Sundays.

Sundays promise that their premiums will never increase as a result of claiming to allow excess payments to remain affordable, not exclusive.

Who are Sundays?

Sundays was founded through a shared passion for cycling and an opportunity to start a specialist insurance company back in 2008.

Since then, their team has been working tirelessly to get more people cycling and keep them cycling. They currently cover cyclists in the United States, United Kingdom, Australia and New Zealand, with more regions planned soon.

They believe that riding a bicycle makes you the best version of yourself. It also makes the planet happier and healthier which in turn, looks after us and those who come after us. Their mission is to empower you to make the world a better place: by giving you the freedom to ride, commute, exercise, and play with peace of mind.

The Sundays vision is simple; every time you hop on your bike, you make the world a little brighter - for yourself, for the people around you, and for our planet.

Just like Waggel, Sundays are authentic with policies designed by people who actually have a deep understanding and passion. They know your bike isn’t just a bike, and take the responsibility of covering your most prized possession seriously.

Like us, their team honours the trust customers place in them and consistently works to exceed expectations, from quoting to claiming and everything in between.

a bicycle resting against a wooden bar outdoors


If you’re looking for bicycle insurance, Sundays have got you covered with their specialist policies covering road bikes, electric bikes, mountain bikes, tandem bikes, track bicycle, triathlon bike, bespoke bike, folding bike, TT bike, BMX, hybrid bicycle and gravel bikes.

Their policies protect their customers from far more than usual home and contents insurance and with their ethical standing, it’s no wonder we’ve decided to partner up!

If your bike is part of your daily routine, your weekend wind down, or your holiday highlight it’s better to be protected. From accidents to theft and damage, Sundays can take the hardship out of it all leaving you to enjoy riding off into the sunset (if that’s your sort of thing).

Whether you’re pedalling to the park with your furry friend or heading out for a solo spin, it’s essential to ensure that your bicycle is covered against mishaps like theft and accidental damage. Insure your bike today for peace of mind.

At Waggel, we would never promote a product that doesn’t fit or follow our own values or is something that we simply wouldn’t use. Although we’re covering two different parts of the insurance market, protecting something you value is very important to both of us!

If you’re a Waggel customer, then you’re in for a treat as you can look forward to securing 10% off your bicycle insurance policy with Sundays. Happy cycling.

Waggel Pet Insurance

Need more help? You're in luck if you're a Waggel Pet Insurance member. Along with our excellent coverage, we offer access to a 24/7 online vet to answer all your sticky questions, especially if you need grooming assistance.

Not a member? Why not get a quote now and cover your furry friend for a range of illnesses, all while enjoying our amazing perks and rewards.

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