01993 894 700

Talk to us to help save yourself time & money

Howden, the new name for Endsleigh.

Find out more here trending_flat

Bicycle Insurance

Whichever type of bicycle you ride, protect it with specialist cycle insurance through our partner, cycleGuard. Enjoy 15% discount too!

A Student Riding Their Bicycle to a University Campus

Why choose cycleGuard for your Student Bicycle Insurance?

Howden are delighted to introduce student bicycle insurance via cycleGuard.

Howden and cycleGuard know that each students policy needs to be as individual as its owner. That’s why we provide a personalised service, focused on getting to know you and finding out exactly what you want from your comprehensive bicycle insurance cover.

Thanks to great relationship we have the team at cycleGuard, the specialist cycle insurance specialists, we're able to provide access to comprehensive policies which can tick all your boxes.

All in all though, just know, whether you need to make a claim, purchase a new student policy, or renew an existing one, we’re here to help.

Features of cycleGuard's insurance:

  • Buy online quickly
  • Voted ‘Excellent’ on Trustpilot
  • Cover in the UK and 30 days in the EU
  • Interest free monthly payments
  • 24/7 Cycle Rescue & New for old replacement
  • Up to £2,500 Cycling Accessories Cover available
  • Flexible cover options to suit your budget

What is cycle insurance?

Cycling is a cheap and healthy alternative to driving or using public transport. Specialist cycle insurance is designed to help you enjoy the ride, whilst protecting your bike against theft, accidental damage, vandalism, fire flood damage and more.

All types of bikes are covered including mountain, folding, electric and road, not to mention cycling accessories. If you’re using pedal power as a cheaper alternative, you’ll likely want to make sure your bike is protected.

Do I need cycle insurance?

Insuring your bicycle can be the sensible thing to do as this will ensure you’re protected against the unexpected should the worst happen. It’s also worth bearing in mind that some bicycles can be expensive to replace – so if you couldn’t afford to buy a new one, then cycle insurance could be the best option.

Bicycle Insurance FAQs

Do I need cycle insurance?

Insuring your bicycle can be the sensible thing to do as this will ensure you’re protected against the unexpected should the worst happen. It’s also worth bearing in mind that some bicycles can be expensive to replace – so if you couldn’t afford to buy a new one, then cycle insurance could be the best option.

Do I need cycle insurance at university?

If you’re planning on taking your bicycle with you to university, then you may want to consider insurance so you’re not left out of pocked in the event of accidental damage, theft, vandalism and more – especially when you’re living on a student budget.

While you may already have some cover in place under your parents’ household policy, double check if and where your bicycle is covered whilst you are living away from the family home.

Is my bicycle covered under my family’s home insurance?

There may be times when your parent’s insurance policy will extend cover to your bike when you are living away from the family home. However, this is not always the case, so it’s important to speak to the home insurance provider to check what’s covered.

Even if cover is provided under your home insurance policy, you may find that it isn’t as comprehensive as the cover you could benefit from with a separate specialist cycle insurance policy. For example, you may not be covered on a new for old basis or when your bike is used away from your student accommodation.

What else is included with cycle insurance?

As part of cycleGuard’s standard cycle insurance, you’ll receive cover for theft and accidental damage, as well as vandalism, fire, and flood damage as standard whether inside the home or away from your home, as well as:

  • Cover in the UK and 30 days EU travel
  • Multi-Bike Discount
  • Up to £2,500 cycling accessories cover
  • 24/7 Cycle Rescue recovery
  • New for Old Cover
  • Replacement Bike Hire
  • Interest free 0% monthly payments

There is also the option to extend your cover to include:

  • £5m Public Liability
  • Global Travel
  • Personal Injury
  • Race and Compete cover

Terms and conditions apply – find out more at cycleGuard.

How do I know which is the best cycle insurance for me?

It can be tempting to go with the cheapest quote, but you may find that certain policies are less expensive because they exclude essential covers you may require.

Before choosing a policy, you may want to compare different insurers to make sure your bicycle will have the protection it requires.

Making sure cycle insurance has everything you need, as well as being an affordable price, will help you decide the right policy for you.

How does cycle insurance work?

From obtaining a cycle insurance quote to making a claim, here’s a step-by-step guide to how cycle cover works:

Step 1 – Get a quote

Getting an online quote is quick and easy. We partner with cycleGuard for cycle insurance, which means you can get a quote quickly! All you need to do is input a few details about yourself and your bicycle.

Step 2 – Set up your policy

If you’re happy with the price, you just need to pay for your policy by following the on-screen instructions.

Step 3 – Enjoy your bicycle

Once your specialist cycle insurance policy is set up, you can head out and enjoy the ride.

Step 4 – Make a claim should you need to

Should the unexpected happen to your bicycle, you’ll need to get in touch with cycleGuard to make a claim. Once you’ve submitted your claim, it’s been accepted and you’ve paid your excess, your bicycle will either be repaired or replaced.

How do I make a claim?

To make a claim, contact cycleGuard’s claim team on 0333 004 199 or email them at claims@guardcover.co.uk as soon as possible to report the claim, complete the required steps and provide the requested information (like proof of ownership).

10% off contents insurance with studentGuard.

Protect your possessions away from home, choose cover against accidental damage, or even add on mobile phone coverage.

Comprehensive student car insurance.

We strive to help students find the best motor cover at the best price.

We can provide you the student cover you need, when you need it.

Whether you are moving into private accommodation with friends and need contents insurance, or looking for additional cover for your gadgets, car, travel, and more, let Howden help you find the perfect policy.

Protect your tablet against theft, cracked screens and accidental damage.

Worldwide cover from Protect Your Bubble which includes a 15% Howden discount on up to two gadgets.