Bike insuranceLive 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 79% of stolen bikes, so most subscribers never claim. Plans start from around £153 a year (≈£13/month equivalent), billed annually in year 1.
- 79.7%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.
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 — £150 of kit, included in the price.
24/7 recovery team
If your bike is stolen we deploy agents immediately. 79% 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.
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.
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 the £150 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 the £150 tracker 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.