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Student Bicycle Insurance NI: Compare cheap Northern Ireland student bike insurance quotes online
If you’re a student you’ll probably know that student car insurance can often cost an arm and a leg, but the same usually isn’t true for student bicycle insurance.
In fact, NI bicycle insurance is often surprisingly cost effective no matter what you do for a living, so it’s worth using a price comparison site like CompareNI.com to compare student bicycle insurance quotes.
Insuring a student bike in Northern Ireland: a straightforward guide
Is student bicycle insurance worth the money?
If you’re a student at Queen’s University Belfast, Ulster University, Belfast Metropolitan College or one of the other further education colleges in Northern Ireland there’s a good chance you’ll be on a fairly tight budget, so you might be wondering whether student bicycle insurance is worth the money. The honest answer is “it depends”.
If your student bicycle is worth very little (and you don’t rely on it for your commute to uni or college), it’s possible you might not miss it too much if it was ever stolen, in which case you might decide it’s not insuring your student bike.
On the other hand, if your bike is worth hundreds or even thousands of pounds, or if you depend on it for getting around Belfast or Jordanstown, then it might be worth making room if your budget for a student bicycle insurance policy.
What risks does NI student bike insurance cover me against
That will depend on the type of policy you go for, but the best student bicycle insurance policies can cover you for some or all of the following:
- The risk of theft: Approximately 300,000 bicycles are stolen in the UK each year, and a suitable student bike insurance policy is a relatively cheap way to protect yourself against the risk of your own student 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 student bike insurance policies may include a pay-out to cover medical bills and/or loss of earnings.
How much does student bike insurance cost in Northern Ireland?
Insurance providers use a wide range of variables when calculating your student bicycle 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.
Does Northern Ireland student bike insurance cover theft?
Yes – in fact, cover for theft is one of the main features of all Northern Ireland student bike insurance policies.
Of course, you’ll have to take appropriate security precautions when securing your student bike in order to ensure you’re covered.
For instance, you’ll need to use an insurer-approved bicycle lock when chaining up your student 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.