Bike stolen?
Is a Stolen Bicycle Covered by UK Home Insurance?
Bikes are covered at home up to a sub-limit (often £500). Away from home needs the personal possessions add-on. Check yours fast.
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The short answer
Bikes are covered at home under contents insurance, capped at a single-item limit (usually £1,000–£2,000) and with proof of forced entry to a locked outbuilding. Theft away from home needs the personal possessions / away-from-home add-on, and bikes over £350 usually need to be specified.
Frequently asked
- Do I need a Sold Secure lock?
- Most UK insurers require a Sold Secure Silver or Gold lock for claims involving theft away from home.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.