Bike theft insurance that recovers the bike first.

What bike theft cover actually means

What's in your theft cover

Everything below is bundled into a single subscription. No add-ons, no tiered features.

• 24/7 recovery service

  Active in-house ops team and recovery agents who go and get your bike back. The primary feature — most subscribers never claim under the insurance side.

• Bike replacement insurance

  If recovery can't get it back, the Sundays-underwritten insurance (FCA regulated) handles the claim — typically new-for-old or current-value — subject to standard terms. £50 fixed excess.

• Accessories cover

  Lights, computers, locks, panniers, and other accessories attached to the bike at the time of theft are covered, with a per-item cap.

• Theft damage cover

  If a thief damages the bike trying (but failing) to steal it — partially-cut lock, frame damage, ripped components — the repair is covered.

Bike theft insurance FAQs

• Is bike theft cover the same as bike insurance?+

  Bike theft cover is a category of bike insurance, but they're not identical. Most bike insurance bundles theft cover with accidental damage, accessories, and liability. BackPedal leads with active recovery rather than payout — we try to get the bike back first; if we can't, our Sundays-backed insurance handles a claim, subject to standard policy terms.

• What's covered under BackPedal theft cover?+

  Theft cover handles the bike itself, accessories attached at the time of theft (up to a per-item limit), and damage caused during a theft attempt. Recovery service is the primary tool — most subscribers never reach the insurance claim step because the bike comes back. If insurance does kick in, £50 excess applies.

• Does theft cover include damage caused by an attempted theft?+

  Yes. If a thief damages your bike trying (but failing) to steal it, the theft cover pays for the repair. Common scenarios: a partially-cut lock, cosmetic damage from a thief trying to remove components, damage to frame or wheels during an attempted lift.

• Are accessories covered if stolen with the bike?+

  Yes, with a per-item cap. Lights, computers, locks, panniers, helmets, and other accessories attached to or stored with the bike at the time of theft are covered. Standalone accessory theft (e.g. a Garmin stolen separately while the bike's safe) typically isn't covered — same as most policies.

• How does theft cover work with the recovery service?+

  Recovery runs first. If we get the bike back within the recovery window, the insurance side doesn't trigger and you pay no excess at all. If recovery fails, the Sundays-backed insurance steps in as a backup, subject to standard policy terms. The two are bundled into one subscription — there's no separate theft-cover product to buy.