Compare bike insuranceLive recovery
BackPedal vs PedalSure: recovery-first vs payout cover.
PedalSure is a modern UK bike insurer with simple, straightforward policy wording. BackPedal is the recovery-first alternative: a covert tracker, a 24/7 ops team, and recovery agents who go and get the bike back. Different products, same problem.
- 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 PedalSure does well
PedalSure is part of the new generation of UK bike insurers — straightforward digital-first policies, modern UI, simpler claims experience than legacy insurers. They focus on clear cover with fewer surprises than older policies.
If you want a straightforward payout-style policy with a modern interface and don't need the recovery angle, PedalSure is a reasonable choice.
Where BackPedal differs
PedalSure pays you out when your bike's stolen. BackPedal sends a team to recover it. The tracker hardware (covert GSM, GPS, and BLE — about £150 worth) and the 24/7 recovery team are bundled into the subscription. They're not add-ons; they're the product.
For most BackPedal subscribers, the insurance side never triggers — the bike comes back. That's a different outcome from a payout. PedalSure's headline premium often looks lower because it doesn't include the tracker or recovery service; BackPedal's bundled price is the apples-to-apples comparison.
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.
PedalSure vs BackPedal FAQs
What's the difference between PedalSure and BackPedal?
PedalSure is a modern bike insurance provider with a straightforward payout model. BackPedal is recovery-first: we deploy a team to retrieve your stolen bike, with insurance as backup. PedalSure replaces the bike; BackPedal returns the bike.
What does PedalSure do well?
PedalSure offers clean, modern bike insurance with simpler policy wording than legacy insurers. They've focused on a digital-first claim experience. If your priority is a straightforward payout-style policy with a modern UI, PedalSure is a reasonable option.
Where does BackPedal differ from PedalSure?
Active recovery. PedalSure pays out when the bike's gone; BackPedal tries to bring it back. Recovery operations run UK-wide (we already recover thousands of bikes nationwide for fleet partners) with a 79% success rate. For most subscribers the bike comes home, which means no claim, no excess, no waiting.
Is PedalSure cheaper than BackPedal?
Compare like-for-like. PedalSure's headline premium often looks lower because it doesn't include tracker hardware or recovery service. BackPedal bundles both into the subscription, which means the cost-per-good-outcome (bike actually returned) is usually better with BackPedal.
Can I switch from PedalSure to BackPedal?
Yes. Cancel your existing PedalSure policy and start a BackPedal subscription. Talk to us if you'd like help timing the switch around your renewal date.
See your BackPedal price
Get an instant price — tracker, install, recovery, insurance, all bundled.