Bicycle Cover
Bronze, Silver and Gold John Lewis Home Insurance is brought to you through our Home Insurance provider, Munich Re Digital Partners Ltd. Good news for cyclists - our bicycle cover covers the whole family for loss, damage or theft. We provide £15,000 of cover for your bikes and up to £5,000 per individual bike.
As well as the standard push bike, our bicycle cover also includes scooters, tandems, trailer cycles. Bike wheels and accessories, such as helmets, lights and saddles, are also covered. Electric bikes are not included.
This is an optional add-on to our Bronze, Silver or Gold Home Insurance policies, and the benefits include:
Bikes covered up to £5,000 per bike and £15,000 for multiple bicycles.
Bikes and accessories covered on holiday anywhere in the world (see policy document for exclusions).
Add cover at any time so if your circumstances change halfway through the policy, it’s no problem.
No admin fees – it's completely free to make changes at any time, but your may premium may go up.
Fair, transparent pricing – you only pay for the extra options you choose.
What counts as a bicycle?
For this Home Insurance add-on, any cycle you power yourself counts as a bicycle, electrical bikes are not included. We include:
Pedal bikes (hybrids, mountain bikes and road bikes)
Tricycles
Tandems
Trailer cycles
Hand pedal cycles
Push scooters
This also includes folding bikes so it’s ideal for commuters.
Covered at home and abroad
Happily, your bike is covered both at home and abroad with this add-on to our Bronze, Silver or Gold Home Insurance. We simply ask that you look after your bike as you do at home - so don’t leave it unattended and secure it safely when you’re not using it.
What is covered?
We cover all your household bikes and accessories for accidental damage, loss and theft.
We specifically cover individual bicycles worth up to £5,000, and multiple bicycles up to £15,000. Individual bicycles worth over £500 will need to be specified.
Whether you need bicycle cover can depend on the value of your family’s bikes.
What is not covered?
This bike insurance add-on doesn’t cover electric bikes, ePeds, iPeds or similar.
Bicycles in the possession of family members who are living at university are not covered with this add-on but can be covered with our student cover add-on.
You’re only covered for loss or theft if you secure your bike safely. You’ll find some bike security tips below and in your policy documents.
Securing your bike
When you add bike insurance to your John Lewis Home Insurance Bronze, Silver or Gold policy, we ask you to use specific bike locks to keep your bike safe.
We have listed the locks you need to use according to the value of your bike:
Value of bike | Lock you'll need to use |
|---|
£500-£1,200 | Appropriate bicycle lock (D-lock or similar) |
£1,200-£2,000 | Bronze, silver or gold-rated Sold Secure lock or a Thatcham approved motorcycle lock |
£2,000+ | Gold-rated Sold Secure lock or a Thatcham approved motorcycle lock |
Value of bike
£500-£1,200 | |
Lock you'll need to use | Appropriate bicycle lock (D-lock or similar) |
£1,200-£2,000 | |
Lock you'll need to use | Bronze, silver or gold-rated Sold Secure lock or a Thatcham approved motorcycle lock |
£2,000+ | |
Lock you'll need to use | Gold-rated Sold Secure lock or a Thatcham approved motorcycle lock |
It’s also a good idea to write down your bike frame’s serial number and take a photograph of the bike when you lock it up anywhere. If your bike is stolen, try to alert the police within 24 hours.
Frequently asked questions
Are e-bikes and e-scooters covered by bike insurance?
No, this add-on is designed for pedal bikes and doesn’t cover electronic bikes or scooters.
Are wheels covered with bike insurance?
Yes, your bike wheels are also covered for loss, damage or theft with our bicycle insurance add-on.
Does bike insurance cover accessories?
Yes, our bicycle insurance add-on includes your cycling accessories such as helmets, lights and saddles. Any electronic bike gadgets such as navigation devices would come under our gadget insurance add-on.
Am I covered if I take my bike on holiday?
Yes. We cover you and your family’s bikes both at home and on holiday, anywhere in the world. The cover lasts for up to 60 consecutive days so it is ideal for solo cycling trips and family holidays abroad.
Not yet covered by John Lewis?
Insure your home and valuables today by calling us on 0345 608 9001 or getting a quote online.
Calls may be recorded or monitored, and call charges will vary.
For a higher level of cover, we also offer Specialist Home Insurance for unique homes and high-value contents.
Choose other optional add-ons
With our Bronze, Silver or Gold Home Insurance policies, if you need to make changes to your add-ons or policy to suit your new circumstances at any time, your premium may go up but we won't charge you an extra fee.
Personal cyber cover
Get help with computer problems like restoring your home systems or removing viruses. We'll also help you if you fall victim to online fraud.
Legal issues cover
Get access to a 24-hour helpline and up to £100,000 of cover for legal costs to help with legal problems covered in your policy, including employment, contract and property disputes.
Accidental damage to buildings
Extend your policy to protect against accidental damage to your home’s construction, including drains and pipes.
Home emergency cover
In the event of a home emergency, we'll arrange for a tradesperson to make things safe with a temporary repair.
Gadget cover
Expensive to buy, easy to drop. Add an additional £10,000 of cover for your gadgets (max £2,500 per item). Add items worth more than £200 specifically to your policy.
Personal possessions cover
Cover for your possessions when you take them away from home or on holiday, anywhere in the world.
Student cover
Up to £5,000 of contents cover for your family while they're studying and living away from your home.
Accidental damage to contents
Whether it's red wine on a white carpet or a broken glass coffee table, you're covered.
John Lewis Money, John Lewis Finance, John Lewis Insurance and John Lewis & Partners are all trading names of John Lewis plc.
Munich Re Digital Partners - our Bronze / Silver / Gold insurance cover
John Lewis plc is an appointed representative (firm reference number: 416011) of Munich Re Digital Partners Limited, which is authorised and regulated by the Financial Conduct Authority to carry out insurance distribution activities (firm reference number: 804106). Registered office: 1 Fen Court, London EC3M 5BN. Registered in England and Wales (company number 10207490).
John Lewis Home Insurance is underwritten by Great Lakes Insurance UK Limited (company number: 13436330). Registered office: 1 Fen Court, London EC3M 5BN. Registered in England and Wales. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference number: 955859).
Covéa Insurance - our Specialist Home Insurance cover
John Lewis plc is an appointed representative (firm reference number: 416011) of Covea Insurance plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference number: 202277).
John Lewis Specialist Home Insurance is underwritten by Covéa Insurance plc (company number: 613259). Registered office: A&B Mills, Dean Clough, Halifax, HX3 5AX. Registered in England and Wales.