Bicycle insurance comparison, done honestly.

The UK bike insurance landscape

Bicycle insurance compared at a glance

Which is the best bicycle insurance for you?

Honest comparisons, page by page

A like-for-like cycle insurance comparison: what each competitor does well, and where BackPedal differs.

Bike insurance comparison FAQs

• What's the best bicycle insurance in the UK?+

  It depends on what you value. The major UK options — Laka, Bikmo, PedalSure, Yellow Jersey, and BackPedal — each have a different angle. Laka uses a community pool model with no excess; Bikmo is the traditional incumbent; PedalSure focuses on modern straightforward cover; Yellow Jersey runs a broader cycling-services business; BackPedal is built around active recovery. The honest answer: we think recovery is the best bet, but it depends on whether you want the bike back or just a payout.

• Which is the cheapest bike insurance?+

  Price varies by bike value, but headline price isn't the right metric — claim outcomes matter more. The cheapest policies often have narrow cover (long exclusion lists, low payout caps, no recovery). BackPedal bundles the tracker hardware (up to £149), professional installation, and recovery service into the subscription (annual in year 1, monthly or annual from year 2), which makes the actual cost-per-good-outcome competitive even when the headline isn't the lowest.

• Why does only BackPedal offer recovery?+

  Traditional insurance is built around the payout — it's cheaper to operate than running a recovery team. BackPedal flipped the model: we built the recovery infrastructure first, with insurance as the safety net. Other UK bike insurers focus on the financial product; we focus on getting the bike back.

• Laka vs Bikmo: what's the difference?+

  They use different funding models. Laka runs a community pool, where members contribute to a shared pot after claims are settled, and there is no excess. Bikmo is the traditional route: a conventional premium, a payout when you claim, and the longest track record of any UK bike insurer. The outcome is the same either way. Both are insurers, so a claim ends in money, not in your bike coming home.

• Is there better cycling insurance than Laka?+

  Depends what you want from it. If the community pool model and no excess suit you, Laka is hard to fault on its own terms. Bikmo and PedalSure are also payout policies, and Yellow Jersey adds race and travel cover to the same basic model. All of them replace the bike with money. BackPedal is the only one that puts a covert tracker on the bike and sends a recovery team to bring it back.

• What are the alternatives to Yellow Jersey?+

  Yellow Jersey's strength is breadth: insurance plus race, travel and event cover, so if you need all of that in one policy the alternatives may not match it. On theft specifically, Laka, Bikmo and PedalSure are all payout policies, the same as Yellow Jersey. BackPedal is the different one: a covert tracker and a recovery team whose job is to return the bike rather than replace it.

• Which bike insurer has the best reviews?+

  Review scores move month to month, so check each insurer's latest independent reviews before you choose. Read what people say about thefts and claims, not just the star rating.

• Are your comparisons fair?+

  We try to be. Each comparison page outlines what the competitor does well (community model, traditional reliability, modern UI, etc.) and where BackPedal differs (recovery, no exclusions on the recovery side, bundled tracker). We don't claim competitors are bad — they're different products solving the same problem differently. The right one for you depends on whether you want the bike back or just a payout.

• Can I switch from another bike insurer?+

  Yes. Check your existing policy wording for any cancellation terms, then join BackPedal. Talk to us if you want help timing the switch around your renewal date.

• How do I compare cycle insurance policies?+

  Compare more than the premium. Check the excess on a real claim, whether theft from the street and from home are both covered, any lock or storage conditions, payout caps for your bike's value, and whether the policy includes a tracker or recovery service. Then compare prices on like-for-like cover.