Bike insuranceStreatham recovery
Cheap bike insurance that still gets your bike back.
The cheapest bike insurance isn't the one with the lowest premium — it's the one that doesn't leave you replacing your bike. BackPedal recovers over 80% of stolen bikes, so most subscribers never claim. Plans start from around £153 a year (≈£13/month equivalent), billed annually in year 1.
- +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.
Full insurance backup included
Underwritten by Sundays Insurance, FCA regulated.
Tracking kit & professional installation
Covert GSM, GPS & BLE tracking kit — expertly installed, all part of your subscription.
Watch one of our recoveries
Trusted by thousands of families, commuters, racers and delivery riders because we do more than just insure… we recover.
What “cheap bike insurance” usually means
Sort “cheap bike insurance UK” by price and you'll find policies that look great on the headline number. The trade-off is usually buried in the policy wording: cover only between certain hours, only against certain types of theft, only if locked with the correct lock category to an approved object. By the time you actually claim, the cheap policy isn't cheap — it's just unhelpful.
The other thing every traditional cheap policy has in common: it does nothing to get your bike back. You file paperwork, wait weeks, and start again on a different bike. The thief profits, the insurer prices next year's theft rate into the premium, and the cycle continues.
Common exclusions on cheap policies
These are scenarios that often void a claim on a budget bike insurance policy. Recovery with BackPedal has none of these exclusions — if your bike is stolen, we go and get it.
Left unlocked, even for a moment
Many policies void cover the second a bike is left without a lock attached. Recovery doesn't care.
Stolen from a shed or garage
Outbuilding exclusions are common. We recover from anywhere.
Wrong lock category
Sold Secure Gold required? Diamond? Get it wrong and the claim's void.
Not secured to an immovable object
Free-standing locks are usually excluded. Recovery covers it.
Daytime ride from a café stop
Brief unattended periods are a classic claim-rejection moment.
Claim filed more than 24/48 hours after the theft
Strict reporting windows can wipe out an otherwise valid claim.
What's in your BackPedal plan
One transparent subscription. Year 1 is annual upfront (covers the tracker + install); monthly billing available from year 2. No tiered up-sells, no excess on recovery claims, no exclusion list as long as your arm.
GPS tracker + professional install
Covert GSM, GPS and BLE tracker fitted by our mechanics — up to £149 of kit, included in the price.
24/7 recovery team
If your bike is stolen we deploy agents immediately. Over 80% of bikes are recovered.
Backup theft insurance
If we can't recover it, you can claim under our Sundays-underwritten insurance — subject to standard policy terms.
No recovery exclusions
Forgot to lock up? Left outside the house? We still come to recover it.
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
Real recovery footage · updated weekly
Watch us
get them back.
Every clip is real footage from a BackPedal recovery, filmed by our agents on the ground. New recoveries land every week.
Watch the recoveries
Streatham6 hours to recover1:19
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 recover1:03the 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
£50*
Varies
* No excess on recovery claims. £200 excess for battery-only insurance claims.
★ ★ ★ AS SEEN ON TV
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
Crime + Investigation · 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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Rated 4.7 · 35 reviews on Trustpilot
Our customers love us
July 2026
Not all heroes wear capes...
It was past midnight and I didn't have much hope of anything happening that night… Richard answered immediately… By 5pm, Edgar had delivered my bike to my home, in exactly the same condition as it was before.
I cannot recommend this service highly enough - if you care about your bike, it's a no brainer!
July 2026
Who are you gonna call?
My Canyon e-bike was stolen… they were professional, knowledgeable, reassuring and super responsive. They kept me informed throughout the process. Most importantly, they successfully recovered my bike within 10 hours of me contacting them.
…it was like a military operation and they won.
May 2026
I can't recommend backpedal enough
To my absolute amazement, they successfully recovered my bike within 2 hours. What really stood out was the customer service; they kept me updated the entire time, providing constant peace of mind during a chaotic situation.
They've earned a lifelong customer… Truly spectacular service!
November 2025
Game changer company!
Edgar from Backpedal got our bike back within an hour of reporting the theft. The whole process was caring, professional and fast - I'm so impressed. I'd highly recommend Backpedal - since police isn't going to do anything, these guys are absolute heroes! Thank you!
January 2026
A superb team. If you have a nice bike in London its a no brainer.
A superb team from start to finish. Everyone in the office was helpful, kind, and extremely supportive. Having people on your side who know what they're doing can completely change an otherwise frustrating and futile situation into a positive one. I called in the morning and had my bike back by the afternoon. Edgar is sharp, efficient, and exactly the person you want when it comes to recoveries.
June 2026
The BackPedal team is amazing
The BackPedal team is amazing! They retrieved my bike within hours of reporting it, and made the whole process look trivial and reassuring. The experience is really like their instagram videos.
These guys are clearly professionals that can be trusted and on top of that they are super nice!
See all 35 reviews on Trustpilot
Reviews shown verbatim from our public Trustpilot profile.
Cheap bike insurance FAQs
How cheap is BackPedal bike insurance?
Pricing starts from around £153/year for entry-level bikes (≈£13/month equivalent) and scales with your bike's value. Year 1 is paid annually upfront — it covers up to £149 of tracker hardware plus professional install. 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.
Is cheap bike insurance worth it?
Cheap-feeling policies often have long exclusion lists that void claims when something actually goes wrong — locked with the wrong category of lock, stolen from a shed, not secured to an immovable object. BackPedal's recovery service means you mostly don't claim — the bike comes back instead. That's the cheapest outcome of all.
What's the cheapest way to insure a bike in the UK?
If your bike is worth under £500 and you store it indoors in a secure flat, sometimes the cheapest option is the basic theft cover added to your home contents policy — but check the wording. For bikes worth more than that, or anyone storing outside / commuting / riding regularly, a dedicated policy with recovery (like BackPedal) usually works out cheaper in practice because you don't lose the bike to start with.
Are there hidden fees with BackPedal?
No. The subscription bundles the tracker hardware, professional installation, recovery service, and insurance. Year 1 is annual upfront; from year 2 you can choose monthly or annual (annual at a discount). £50 fixed excess on insurance claims; £0 on recovery claims; £200 on battery-only claims.
Can I cancel BackPedal cover any time?
Year 1 is an annual subscription paid upfront — it covers up to £149 of tracker hardware plus professional install. Cancel during year 1 and we'll refund pro rata; you return the tracking kit to us. From year 2, you can switch to monthly billing or stay annual at a discount, and cancel any time.
Why is some bike insurance so cheap?
Usually because cover is narrow. The cheapest policies might insure your bike only while locked to a Sold Secure Diamond stand inside your home, between 6am and 11pm, with the correct lock category — and exclude almost every realistic theft scenario. Read the policy wording, not the headline price.
See your real price
Type your bike's value and you'll see an instant price with no email required. The headline figure is the figure — kit, install, recovery and insurance included.