1,000+ stolen bikes recovered · 24/7 ops team
Bike and bicycle insurance that gets your bike back.
Traditional bike insurance pays out weeks after your bike is stolen. BackPedal puts a covert GPS tracker on it, deploys a recovery team, and works to return the actual bike. Backup theft insurance is included as a safety net. Cycle insurance for push bikes, road bikes, mountain bikes and ebikes.
- +80%Recovery rate
- ~48hTypical recovery time
- 24/7In-house ops team
Recovery with no exclusions
Even if you forgot to lock up — we still recover your bike.
Our hidden tracker kit, or your own
A Sleeper GPS and a close-range beacon in disguised casings. About 5 minutes to fit, all tools provided.
Backup insurance if you want it
Theft insurance from Sundays, FCA regulated. Add it when you build your protection.
Watch one of our recoveries
Trusted by thousands of families, commuters, racers and delivery riders because we do more than just insure… we recover.
Bicycle insurance in the UK: what it should actually do
Cycle insurance, bicycle insurance, push bike insurance and pedal cycle insurance all mean the same thing, and BackPedal's cover applies whichever term you search for, on whichever bike you ride: road, mountain, cargo or ebike.
UK bike insurance has traditionally meant one thing — paying you a sum of money after your bike is stolen and never seen again. Premiums go up each year because thefts keep rising, and the actual problem (the bike is gone) never gets solved. The thief profits, you start again, and your premiums fund the next round.
BackPedal's bike insurance is built around recovery first, payouts second. Every subscription includes a covert tracker installation, 24/7 recovery team, and backup theft cover. Most subscribers never need to claim — because the bike comes back.
We cover push bikes, ebikes, road bikes, mountain bikes and cargo bikes. Mobile tracker installation for individual consumers is currently available in London zones 1–4, with the install network expanding in 2026.
Every plan runs from around £153 a year, or about £12.75 a month. That covers up to £149 of tracker hardware and professional installation, so there's no separate charge for the kit. The standard excess is £100, and there is no excess at all when your bike is recovered rather than replaced. Cover is underwritten by Sundays Insurance, which is FCA-regulated.
Push bike insurance
Push bike insurance with BackPedal works the same way as our ebike cover: a covert tracker, professional installation, a 24/7 recovery team and backup theft insurance underwritten by Sundays. The standard excess is £100, and there is no excess when your bike is recovered. Riding electric? See our ebike insurance page.
How BackPedal works
Three steps. Covert trackers go on your bike, you call us when it's stolen, and our agents go and get it back. We've recovered over 80% of bikes reported to us.
01
Install trackers
Our mechanics fit covert GSM, GPS & BLE trackers to your bike anywhere in London — at the time and place you choose, 8am to 8pm, every day.
UP TO £149 OF KIT8AM–8PM, DAILY
02
24/7 Recovery OpsReport a theft
When your bike goes, you call our 24/7 hotline. We deploy recovery agents the same hour and keep you updated until it's back.
24/7 HOTLINESAME-HOUR DEPLOY
03
RecoveredOn its way homeBike recovered
We track it down, check it for damage, return it to your door, and handle the police report and any insurance claim on your behalf.
+80% RECOVEREDCLAIM HANDLED
+80%
Recovery rate
~48h
Typical recovery time
24/7
In-house ops team
Watch us
get them back.
Every clip is real footage from a BackPedal recovery. New recoveries land every week.
Watch the recoveries
StreathamTap for soundStolen in Streatham. Back in 6 hours.Latest recovery1:19
Stratford22 hours to recover1:12
Brighton2 days to recover1:15
Twickenham13 hours to recover1:11
London9 days to recover1:06
Hounslow23 hours to recover1:11
Kensington10 days to recover1:03
Hackney20 hours to recover1:24the wall
Traditional bike
insurance vs
BackPedal
A bike is stolen every 2 minutes in the UK. Fewer than 2% of thieves are ever caught. Traditional insurers don't care — they just price it into your premium. The thief profits. You start again. Nothing changes.
BackPedal is different. We track your bike, recover it, and return it to you — so the thief gets nothing. Insurance is our backup, not our business model.
What you get
RecommendedBackPedalRecovery + Insurance
Other Bike InsuranceTypical Policy
01Recovery & Protection
Get your actual bike back
Covert GPS tracking included
24/7 recovery team deployed
Bike stolen? One call and we take over
02No exclusions on recovery
Forgot to lock up? Still covered
Left outside your house? Still covered
Stolen whilst riding? Still covered
03Insurance
If we can't recover your bike, our backup insurance by Sundays kicks in — the same kind of cover you'd get from any other bike insurer. Standard terms apply and claims are subject to approval.
Financial cover for a replacement bike
Accessory cover
Theft damage cover
Excess
£100*
Varies
* No excess on recovery claims. £100 on all insurance claims, including battery-only.
On the hunt with TV crews
Three film crews. Three networks. One question — what does it actually look like to recover a stolen bike? Press play and find out.
45 minFeatured · BBC One
Trace, Track, Get My Car Back
In London, bike recovery specialist Bilal hunts down an ebike's GPS signal to a block of flats — and is shocked to discover what looks like a bike chop shop inside.
Watch on BBC iPlayer Series 1 · Episode 15 · 45 min
Sky · 60 min
Bike Theft: London's Recovery Crew
“A routine recovery spirals into public confrontations, police involvement and a chase across multiple thefts — showing how unpredictable stolen bike recoveries can be.”
Watch on YouTube
Channel 4 Dispatches · 30 min
Britain's Bike Theft Capital
“Dispatches secretly films suspected handlers and goes on the trail of stolen bikes with our team.”
Watch on YouTubeThe kit · £150 of trackers
Covert trackers,
disguised & hidden
Every bike we protect gets a covert tracking kit — hidden away within the bike itself, or tucked into one of 17 disguised casings, so no two bikes look alike and thieves never learn the hiding spots.
Depending on your bike, that's some mix of an always-on Live GPS, a no-wires Sleeper GPS that wakes the moment your bike's reported stolen, and a short-range Proximity Beacon that leads our agents to it indoors. Read more about the trackers.
Handlebar cable coverCovers any brake, gear and electrical cables whilst hiding the tracker
Browse the disguises · tap to preview
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Our customers love us
My bike was stolen… BackPedal took over the whole operation to get my bike back. Kind and caring and excellent at their job!
Alexandra Stratos
Chef, Highbury
My ebike is essential to our lives so I love the peace of mind knowing you've got a team there ready to go if the unthinkable happens.
Elan TamSey
Musician, Walthamstow
BackPedal gives me a way to protect my kit and fight back against bike theft at the same time.
Mat Shreeve
Engineer, Camden Town
BackPedal have recovered my ebike twice now. It is still a horrible experience having my bike stolen but the team are so resourceful they got a quick result.
They could not have been more conscientious on my behalf.
Frances Kelly
Kensington
Cover for every kind of bike
Every BackPedal plan includes recovery, tracking kit, and insurance backup. Whatever you ride, the cover follows the same principle — get the bike back first, pay out second.
Cheap bike insurance
Lower-cost cover that still includes our recovery service.
Learn moreBike theft insurance
What theft cover means at BackPedal, and when insurance kicks in.
Learn moreBike insurance with GPS tracker
Covert GSM, GPS and BLE tracker included in every plan.
Learn moreBike recovery service
How our 24/7 recovery team retrieves around 80% of stolen bikes.
Learn moreRoad bike insurance
Road bike cover with sportive, club ride, and event protection.
Learn moreMountain bike (MTB) insurance
Mountain bike cover for trail centres, race days, and DH events.
Learn moreBike insurance FAQs
What does bike insurance with BackPedal cover?
Every BackPedal subscription includes a covert GPS tracker, professional installation, 24/7 recovery team callout, and backup theft insurance underwritten by Sundays. If your bike is stolen we attempt to recover it first; if we can't, our Sundays-backed insurance covers the claim — replacement, accessories, theft damage — subject to standard policy terms. Recovery itself has no exclusions, even if you forgot to lock up.
How much does bicycle insurance cost in the UK?
BackPedal pricing is based on your bike's value, starting at around £153/year for entry-level bikes (≈£13/month equivalent). Year 1 is billed annually upfront — it covers up to £149 of tracker hardware plus professional installation. From year 2 you can switch to monthly billing or stay annual at a discount. Use the quote tool to see a real number — no email required.
Does home insurance cover bike theft?
Sometimes — but usually capped at a few hundred pounds and only if the bike was stolen from inside your home. Most policies exclude theft from sheds, garages, on the street, or while you're riding. They also don't recover your bike. BackPedal recovers it, then insures whatever recovery can't fix.
Is bike insurance with theft cover worth it?
If your bike is worth more than about £500, usually yes. A theft claim costs you the £100 excess, but with a 79.7% recovery rate most stolen BackPedal bikes come back instead, so most members never need to claim.
What's the excess on a BackPedal bike insurance claim?
£100 fixed excess on insurance claims. No excess on recovery claims — if we get your bike back, you pay nothing. The same £100 excess applies to battery-only claims on ebikes.
Can I get bike insurance for an electric bike?
Yes — see our dedicated ebike insurance page. Ebike cover includes battery cover and the same recovery service.
Is cycle insurance the same as bike insurance?
Yes. Cycle insurance, bicycle insurance, bike insurance and pedal cycle insurance all describe the same type of cover. BackPedal's plans work the same way whatever you call it, and whatever you ride: push bike, road bike, mountain bike, cargo bike or ebike.
Do I need insurance for a push bike in the UK?
No, there's no legal requirement to insure a push bike in the UK. Whether it's worth it depends on your bike's value and where you keep and ride it. Theft is the main risk most riders insure against, and home contents policies often limit cover away from home.
Protect your bike with BackPedal
GPS tracker, professional install, 24/7 recovery service, and backup theft insurance — one transparent subscription. Year 1 is annual upfront; monthly billing available from year 2. Get an instant quote in 60 seconds.