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Road Bike Insurance NI: Compare cheap Northern Ireland road bike insurance quotes online
Road bikes are a popular choice with cyclists in Northern Ireland, particularly those who use their bike for their daily commute. However, many road bikes are worth quite a bit of money, which is why it might be a good idea to invest in a relatively cheap NI road bike insurance policy to protect your wheels.
Insuring a Northern Ireland road bike: a straightforward guide
Is road bike insurance a legal requirement if I’m cycling on Northern Ireland roads?
No, unlike motorists, NI cyclists are under no obligation to take out a road bike insurance policy even if they do cycle on Northern Ireland roads. However, there are a few very good reasons to consider insuring your bicycle, including:
- The risk of theft: Approximately 300,000 bicycles are stolen in the UK each year, and a suitable road bike insurance policy is a relatively cheap way to protect yourself against the risk of your own road bike being stolen.
- The risk of a personal liability claim: There’s a chance a cyclist might be held personally liable if they injure a pedestrian or damage a third party’s property and don’t have suitable insurance in place.
- The risk of personal injury: If you’re injured yourself while riding your bike some road bike insurance policies may include a pay-out to cover medical bills and/or loss of earnings.
How much does road bike insurance cost in Northern Ireland?
Insurance providers use a wide range of variables when calculating your road bike insurance premium, many of which are unique to you – for instance, your location, the crime rate in your area, the type of road bike you own, how much the road bike is worth, the type of bicycle lock you use when securing your mountainbike and whether or not that locking device is insurer-approved.
The best plan is to use our NI bicycle insurance comparison system to compare quotes from a range of providers, and then go for the provider that’s offering you the most suitable policy at the most competitive price.
Will Northern Ireland road bike insurance cover the cost if I damage someone’s car during my daily commute?
It can do, but whether or not you are covered will depend on whether your policy includes ‘cycling liability cover’. If your road bike insurance policy includes this as standard, or you’ve chosen to add it as an optional extra, then you should be covered if you damage someone’s car while riding your road bike.
Does Northern Ireland road bike insurance cover theft?
Yes – in fact, cover for theft is one of the main features of all Northern Ireland road bike insurance policies.
Of course, you’ll have to take appropriate security precautions when securing your road bike in order to ensure you’re covered.
For instance, you’ll need to use an insurer-approved bicycle lock when chaining up your road bike, and if you’ve informed your provider that your lock is a ‘Sold Secure’ one then it will need to be this type of lock otherwise you won’t be covered.