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Whether you cycle for pleasure, to commute to work, to stay fit or to compete in events, you should consider taking out a specialist bicycle insurance policy.
Top Rated Providers
Our comparison table is ordered by review score. The review score is the average weighted score based on product quality and user reviews from the last 12 months. Find out more about how our review score is calculated.
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1st
Review Score9.0/10Based on 8,242 reviews
Contents' Cover Limit£99kRead moreVoluntary Excess£250 -
2nd
Review Score8.9/10
Based on 72,490 reviews
Contents' Cover Limit£150kRead moreVoluntary Excess£250 -
3rd
Review Score8.4/10
Based on 17,565 reviews
Contents' Cover LimitNo limitRead moreVoluntary Excess£250 -
4th
Review Score8.1/10
Based on 15,594 reviews
Contents' Cover Limit£100kRead moreVoluntary Excess£250 -
5th
Review Score7.5/10
Based on 24,833 reviews
Contents' Cover Limit£100kRead moreVoluntary Excess£100 -
6th
Review Score7.4/10
Based on 21,431 reviews
Contents' Cover Limit£100kRead moreVoluntary Excess£250 -
7th
Review Score7.4/10
Based on 6,199 reviews
Contents' Cover Limit£100kRead moreVoluntary Excess£250 -
8th
Review Score6.9/10
Based on 5,967 reviews
Contents' Cover Limit£100kRead moreVoluntary Excess£250 -
9th
Review Score6.4/10
Based on 11,360 reviews
Contents' Cover Limit£150kRead moreVoluntary Excess£200 -
10th
Review Score6.0/10
Based on 88,488 reviews
Contents' Cover Limit£150kRead moreVoluntary Excess£250
All contents insurance quotes are provided via Quotezone, who are FCA regulated.
Please note that some of the providers included within our table are not currently offering new policies.
In this Guide
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What is contents insurance?
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What types of contents insurance can I get?
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Do I need contents insurance if I’m a landlord or renting?
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How much is contents insurance?
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Things to consider
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What isn’t included in home contents insurance?
What is contents insurance?
Contents insurance covers anything within your home that you can remove and take with you to another property, such as your clothes, furniture, white goods, and electronics. Carpets are also usually included. However, there are some exceptions to this so always check what’s included within the definition of ‘contents’ in your policy booklet. Contents insurance is different from buildings insurance which covers the structure of your home. Homeowners usually buy combined buildings and contents insurance.
Your insurance policy will typically cover your items against loss and theft or damage due to events such as fires and floods. If you damage an item such as a sofa, it might not be included in your contents insurance. Sofas often come under accidental damage cover which can be added onto your contents insurance policy as an extra if it’s not already included.
What types of contents insurance can I get?
There are two types of contents insurance cover, old for new and indemnity cover:
- Old for new - no matter how old an item is if it’s stolen or damaged you will receive a new replacement. If the item being replaced is no longer available you will be paid enough to replace it with a brand new version. This tends to be more pricey but it will give you a better result if you needed to make a claim.
- Indemnity cover - you will only ever receive the current value of your item. For example, if your sofa needs to be replaced and it cost you £2,000 new you will only get what it is worth now which might only be £200. This is usually the cheaper option however it can prove to be a false economy.
If you want to compare contents insurance, you should consider both of these options and decide which one is best for you. Don’t just take a look at the cost of the policy, cheap contents insurance isn’t necessarily the best contents insurance. You need to consider how much excess you will be paying (this is the amount of money you need to pay upfront towards a claim). Before purchasing a policy, we also encourage you to read contents insurance reviews to see how different insurers handle contents insurance claims.
Do I need contents insurance if I’m a landlord or renting?
If you’re renting your home, you are solely responsible for your own personal contents. Your landlord is responsible for the building and should have a buildings insurance policy in place to cover the structure and any permanent fixtures. If you’re a landlord and have a property that you rent, you may want to take out contents insurance if your property is part or fully furnished.
How much is contents insurance?
On average house contents insurance costs £60 per year. This depends on many external factors including:
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Property location - if your contents are in a house located in an area with a high crime rate, you may find your policy costs to be higher than average.
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High-value items - the more high-value items you add to your policy, the higher your premium will be.
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Property security - you can bring your premium cost down if you install more security measures.
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Past claims - if you have claimed previously for lost or damaged belongings you may find your premium will be higher.
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No claims - similarly to car insurance, the more no claims years you have can bring your policy cost down.
Things to consider
Have an accurate valuation
Walk through your home and make a list of the contents and the cost to replace each item. It’s key to include all small and large items. Be as accurate as possible to make sure you’re not out of pocket if you need to claim. Make sure you don’t overvalue your items as you will end up with a higher premium cost.
High-risk items
There are many high-value items in the home that can be easily stolen such as jewelry, watches, electricals, art, musical equipment and antiques. You should list these items to your insurer to make sure there’s suitable cover allocated to your policy as these items tend to be more expensive to replace.
Single item limit
It’s common for insurers to have a limit to what a single item can be worth and what they would pay out for. This limit is usually between £1,000-£2,000. For example, if a watch was damaged in a flood and it was worth £2,500 you would only receive £2,000 meaning you would be £500 out of pocket. If you have high-value items that exceed your single item limit make sure your insurer is notified.
Personal possession cover
We tend to take our most expensive items out of the house when we leave such as handbags, phones, tablets, wallets, sunglasses etc. Therefore it’s key to make sure these are insured as soon as you step out of the door. Most contents policies cover these as standard and often when you’re abroad (to certain countries and for a set time period). If it’s not included, it may be worth adding it on.
Bicycle cover
Not all home insurance policies cover bikes as standard. If you have a bicycle, you need to ensure it’s covered against loss, theft or accidental damage while it’s in your shed, garage, garden or home. You can add Personal Possession Cover at an extra cost to cover your bike while you’re out and about.
Update your policy
As and when you buy new items for your home, especially those that are more expensive, make sure you update your insurer so that you know you have sufficient cover for those items.
What isn’t included in home contents insurance?
In general, your home contents insurance policy won’t cover wear and tear or electrical items that break down rather than being damaged. If you’ve insured your laptop have you covered the data stored? Some policies include cover for digital information so it’s worth checking. Most policies won’t cover a thief’s usage if your phone is stolen and they rack up a large bill, that will be your responsibility. Lastly, if a thief gains entrance to your home through an open door or window, it could void your insurance completely.