Riding a bike is a great way to get around, and is fantastic for both your health and the health of the planet. However, cycling also comes with a number of attached risks.
Bicycles are not always covered in home insurance policies, and when they are insured, the cover is not always sufficient. Yellow Jersey offer insurance specific to cyclists and their bikes for when you’re both at home and on the roads.
Read our guide to find out if Yellow Jersey bike insurance is right for you.
Who is Yellow Jersey?
Yellow Jersey is a UK based insurance company that was set up by 3 brothers in 2014 to provide insurance specific to bicycles. The brothers were part of an established, family-run insurance brokerage firm called The Plan Group Limited, and as members of the cycling community, they noticed a lack of bicycle insurance and decided to step in to provide it.
They pride themselves on providing easy and stress-free insurance for bicycles, from a company that has a passion for what it insures.
What are Yellow Jersey’s bicycle cover options?
Yellow Jersey offers three different insurance for customers, with cover tailored for different cycling needs.
This is the entry level cover option for those who enjoy cycling as a leisure activity. It will protect your bike from incidents such as theft or damage from an accident.
Ideal for families, covering your bike during everyday use for things like theft, vandalism and accidental damage. Yellow Jersey also offers a 60% multi-bike discount meaning you can insure all the bikes in your household under a single policy.
Performance package
Are you a regular cyclist? If you enjoy cycling holidays, belong to a club or even enter events then this insurance package is likely to be right for you. This cover is specifically designed for cyclists who ride regularly, and may even travel abroad for training or competitions.
It covers you for things like theft and damage in Europe and while in transit, for events and public liability.
Ultimate package
Are you someone who competes in cycling competitions? Then Yellow Jersey’s ultimate bicycle insurance cover could be for you. This cover package is specifically designed for cyclists who ride and compete regularly, and may even travel abroad for training or competitions.
It covers you for things like competition cancellations, valuable equipment left in triathlon transition areas and your bike box.
What is covered under my policy?
Cover
Essential
Performance
Ultimate
Accidental damage
✓
✓
✓
Vandalism
✓
✓
✓
Theft
✓
✓
✓
Single bike limit
£1,000
£3,000
£15,000
Max policy value
£3,000
£10,000
£50,000
Public liability
£2,000,000
£2,000,000
£2,000,000
New for old cover
✓
✓
✓
Europe cover
–
30 days
120 days
Worldwide cover
–
–
120 days
Cover in transit
–
✓
✓
Racing events
–
–
✓
Sportives and charity events
–
✓
✓
Roadside recovery
–
✓
✓
Theft from vehicle
–
✓
✓
Medical cover
✓
✓
✓
Helmet and clothing
Optional
Optional
Optional
Additional wheelsets
–
Optional
Optional
Accessory cover
£250
£250
£250
What is my excess?
Your excess is the amount of money that you will be expected to contribute if you make a claim.
Your Yellow Jersey excess is 10% of the claim, capped at £100. There is no excess charge for third party liability, breakdown cover, race fee cancelation and the personal accident benefit.
For more information concerning your excess payments refer to your policy schedule.
How do I make a claim?
To make a claim, you’ll need to submit a claims form online via the Yellow Jersey website.
If you need additional help with your claim, you can call their claims helpline. You can call on 0333 003 0600. The line is open Monday to Friday, 9am – 5pm.
Yellow Jersey pride themselves on having your claim handled by someone with the knowledge and expertise to know what they’re doing.
Yellow Jersey pros and cons
Pros
You will not be charged extra at renewal, even if you’ve made a claim. In fact, Yellow Jersey offer all their customers a 25% renewal discount
They offer a 60% multi-bicycle discount
Different policies for different cyclists
Cons
You will incur a cancellation charge if you cancel your policy
The claims helpline is not operation 24/7
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Millie Spark was a writer for Finder and covered a range of subjects including how to get the best deal on everyday shopping, and insurance. See full bio
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