Flexible and competitive cycling insurance for you, your bike, for your peace of mind.
Whether you love being out on the road, on a mountain trail or commuting to work, you can tailor our bicycle and cyclist insurance to suit you.
GCN cycling insurance is arranged by Gator Bikesure Ltd and underwritten by Red Sands Insurance Company (Europe) Ltd. Gator Bikesure Ltd is an Appointed Representative of Twothreebird UK Ltd, who are Authorised and Regulated by the Financial Conduct Authority under firm reference number 313965. Red Sands Insurance Company (Europe) Ltd is authorised and regulated by the Gibraltar Financial Services Commission and is subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority in respect of business underwritten in the UK (No: 231635). Red Sands Insurance Company (Europe) Ltd is a member of the UK's Financial Services Compensation Scheme and Association of British Insurers. Play Sports Network Ltd (Company number 08265494-VAT No. GB439211505) trading as Global Cycling Network, is an Introducer Appointed Representative of Twothreebird UK Ltd.
What Do You Get with GCN Cycling Insurance?
We share your passion for cycling. We know what being out on your bike means to you.
Whether you're out riding on the road, off-roading on a trail, commuting on your e-bike, travelling, at events or racing, we offer flexible and personalised cover to suit you.
Choose from 3 levels of cover including; Bicycle, Bicycle + Cyclist or Cyclist insurance cover.
What our cycling insurance covers
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We will cover your bicycle on a repair or replacement cost basis for cycling crash, accidental damage to your bike, and
malicious damage if the damage is caused by a sudden, unforeseen, specific incident that happens during the period of
insurance and is entirely outside of your control.
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If your bike is stolen, we will cover your bicycle on a replacement cost basis if It is stolen from your home or away from
your home, provided you have complied with the security conditions.
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We will cover your bicycle when transported on a bicycle rack as long as it is secured to a properly fixed bicycle rack via
the lockable security provision of the bicycle rack, or locked through the bicycle frame, and all quick-release wheels to a
properly fixed bicycle rack with an approved lock.
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Your cycling accessories are covered, provided they are damaged or stolen in the same covered loss as your bicycle,
which forms part of a valid claim. Cycling accessories include panniers, GPS computers, saddle bags, mudguards, and
lights, excluding mobile or smartphones. You are also welcome to add your spare wheels, helmet, cycling clothing and
bike lock to your accessories.
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We will reimburse you up to 500 pounds for the cost of hiring an equivalent bicycle or the reasonable use of public transport while you are awaiting the repair or replacement of your bicycle, which arises from a valid claim.
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If you purchased the bicycle new, we will repair or replace it on a new-for-old basis, meaning the cost of a comparable new replacement without any depreciation or market value applied.
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We will cover legal liability up to 2 million pounds arising from third-party death, accidental bodily injury, loss of property or property damage due to an accident while you are riding a bicycle and are found legally liable. This cover includes the legal cost and expenses of defending a claim made against you.
Optional comprehensive extras
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If your cycling accessories are more than 250 pounds, you can specify the exact replacement amount, and it will be covered, provided they are damaged or stolen in the same covered loss as your bicycle, which forms part of a valid claim.
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Racing cover
We will cover your insured items while participating in a race or organised event.Events cover
We will provide cover up to 500 pounds for reimbursement of your organised event entry fee for any cycling race or organised event you have entered and cannot compete in due to physical injuries you have sustained due to an incident involving a covered loss to your bicycle.Event secure zone
We will provide cover for your insured items for up to 24 hours against theft while kept in the event secure zone of a cycling event, competitive triathlon, biathlon, or similar organised event where you, as the participant, store your insured Items whilst transitioning between disciplines or event stages. Your bicycle is not required to be locked while in the event secure zone. -
Cover for your bicycle whilst travelling abroad for up to 365 days per annum, limited to 90 consecutive days per journey, during the period of insurance.
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Cover for your additional wheelset, for example, a pair of spare or racing wheels.
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We will provide cover for death, injury or illness if you are riding a bicycle and you are killed, injured or become ill as a result of an accident. Additionally, we will cover your emergency medical care, optical, dental and physiotherapy treatments up to the benefit limit of 1000 pounds.
Is Cyclist Cover Worth It?
For only £1.25 per month, you will receive up to £2,000,000 in public liability coverage for claims made against you for damages or injuries while cycling. For only an additional £1.25 per month you will receive support with your medical bills, physiotherapy, dental and optical care if you are injured in a cycling accident.
Who Needs Cycling Insurance?
It’s not just for roadies in lycra! We cover many types of riders depending on whether you are a casual cyclist cycling for pleasure at the weekend, commuting by bike daily, travel and adventure cyclists or for competitive cyclists who regularly compete in cycling races and events at home or abroad.
What Types of Bikes Are Covered by Our Cycling Insurance?
Our bicycle insurance covers most types of bikes whether you’re commuting to work on an e-bike, pushing the limits on your mountain bike or gravel bike, taking the kids and shopping around town on your cargo bike or out for weekend ride on your road bike.
Watch Our Video to Learn More About GCN Cycling Insurance
GCN Presenters Si and Dan are here to give you more information about bicycle and cyclist cover through GCN Insurance.
More Reasons to Choose GCN for Your Cycling Insurance
No Hidden Charges
If you change or cancel your policy, we will not charge additional admin fees
Speed of Response
Once you have supplied all the evidence during the claim process, we provide feedback in 24 hours
Standard Excess
Standard excess is £50. No excess increase even after a claim
Peace of Mind
We bring our passion, understanding and expertise to help you get back on your bike
Insurance details
Terms and Conditions
GCN cycling insurance is arranged by Gator Bikesure Ltd. Please take a moment to check out T&Cs and the Insurance Product Information Documents (IPID) in the Bicycle IPID, Cyclist IPID and the Bicycle + Cyclist IPID.
Bicycle IPID
Cyclist IPID
Bicycle + Cyclist IPID
Policy Document
To ensure clarity, Gator Bikesure Ltd has provided the policy wording for you to review.
Policy Wording
Approved Locks
For your bike's optimal security, GCN cycling insurance has curated an approved lock list.
Approved Lock List
Popular FAQs
How can I contact you?
You can reach us by email:
hello@uk.insurance.globalcyclingnetwork.com
Or call us on:
+44 3304 606 009
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GCN cycling insurance covers electric ‘pedal assist’ bikes with up to 250 watts of max motor output and a top speed of 15.5 miles an hour.
The motor's power output, the manufacturer and the battery’s voltage or maximum bike speed must be displayed. Your e-bike must have been specifically manufactured as an e-bike, not a retrofitted road or mountain bike.
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When GCN cycling insurance covers your bicycle, an accident with an uninsured driver will not negatively impact your claim outcome. As long as your insurance premiums are up to date and your claim is valid, the damage to your bicycle will be repaired or replaced even though the driver was uninsured.
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The approved lock you need will vary depending on the insured value of the bike: Bikes insured for less than £1,000 require a Sold Secure Silver-rated lock. Bikes insured for £1,000 or more require a Sold Secure Gold-rated lock.
For more information, check out the Sold Secure website. https://www.soldsecure.com/approved-product-search
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Yes, provided they reside at your home permanently and are older than 16. It can be your child, stepchild, parent, stepparent, spouse, sibling, life partner, or civil partner, and includes adoptive relationships.
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A new bicycle must be insured for the amount it would cost to replace it today. If the bicycle is second-hand, insure it for its current market value. Please contact one of the cycling team members via email, phone or Chats for more assistance.
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Sold Secure is a company that rates locks based on their performance under rigorous security tests. For the latest
information on rated locks, visit the Sold Secure website. https://www.soldsecure.com/approved-product-search
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All GCN cycling insurance policies can be paid monthly with no additional costs. Your policy will renew automatically after 12 months. You will be notified of the renewal if you would like to make changes to your policy.
Additionally, you will have a further 14-day cooling-off period to make changes, with no penalties charged at any stage of your policy period.
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Yes, cycling accessories cover is included in your policy. If you need more than the standard cover limit of £250, let us know and we will add additional accessories for you.
Accessories include panniers, a GPS, racing wheels, helmets, clothing and lights with a maximum cover limit of £5,000.
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Yes. There is no need to specify your custom parts. You can include your custom parts or wheelsets in your bicycle sum insured. If you need assistance with adding an extra wheelset give the cycling team a call or email us.
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No. Your cycling accessories are only covered when they are used with the insured bicycle listed on your policy.
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If you haven't made a claim, you can cancel your policy within 14 days of the start or renewal date. The premiums paid for the policy will be refunded with no penalties. Even after the cancellation period, you can cancel your policy with no penalties charged.
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Yes, simply add more of your own bikes and your family’s bikes to the same policy. As long as the bikes are owned by you, your partner, your child or parent and you all live at the same address, then you can save the following:
✓ 10% on your second bike
✓ 15% on your third and additional bikes