Protectmybike Bicycle Insurance Review: Cover, Excess & Claims

Protectmybike: review summary

RideIn’s assessment: Worth comparing for a household with several bicycles, provided the collection fits the policy limits. Check the photographs, approved-lock evidence and settlement amount before considering the advertised multi-bike saving.

Protectmybike company and product facts
Feature	Published position
Business	Protectmybike is a trading name of Insuremore Ltd; company 10525133
Published FCA reference	824996 for Insuremore Ltd
Underwriter in published wording	White Horse Insurance UK Limited, a branch of White Horse Insurance Ireland dac
Cover approach	Bicycle theft and damage with optional rider and overseas benefits
Collection	Published maximum five bicycles and £20,000 combined value
Claim excess in linked wording	£50 or 5% of the adjusted claim, whichever is greater

The FCA references above are published by the business. Use the FCA Firm Checker to check the current firm, contact details and permissions. Regulatory status does not establish that a policy meets your needs.

Helmeted commuter securing a grey bicycle at a metal cycle stand beside the Thames — Check the required lock rating and locking method for every place you leave your bicycle.AI-generated illustration; not a photograph of a real product, location or test.

Who provides Protectmybike insurance?

Protectmybike is the customer-facing brand of Insuremore Ltd. Its document library supplies the policy wording and product summary, and the linked January 2025 wording names White Horse as the insurer. Confirm the document version and insurer on a new quote because arrangements can change.

Keep the intermediary contact for policy questions and the insurer or claims contact for an incident. A company registration identifies a business; it does not demonstrate that its policy covers your storage or riding. Check the current firm and contact details using the FCA service.

Sources: Protectmybike: policy document library · Protectmybike: January 2025 policy wording.

Bicycle protection and optional benefits

The provider advertises theft, accidental damage and new-for-old replacement up to the insured amount. Its website also lists optional public liability, personal accident and overseas cover. Those choices should be assessed individually rather than inferred from the description of comprehensive protection.

Its published household allowance is five bicycles with a combined maximum of £20,000. Before requesting a multi-bike quote, calculate the value at risk in one shared storage location. A collection can fit the bicycle count while exceeding the money limit.

Sources: Protectmybike: current cover and FAQs.

Security and the dashboard evidence requirement

The linked wording requires photographic evidence showing the bicycle was in your possession and working before a loss. It specifies a Sold Secure Gold lock or higher and describes how to secure the frame and quick-release wheels to an immovable object.

If the lock receipt is missing, the wording describes a dashboard photograph with the policy reference and date visible beside the identifiable lock. Complete the evidence tasks when cover starts. A photo taken after a theft cannot retrospectively prove possession of the stolen equipment beforehand.

For a communal garage, describe who can enter, how the door is secured and what anchoring point you use. Ask the provider to confirm the applicable location category in writing if the online questions do not match it.

Sources: Protectmybike: January 2025 policy wording.

Valuation, excess and settlement

The website distinguishes full-price purchases, discounted bicycles, gifts, custom builds and vintage valuations. Follow the appropriate valuation rule and retain the evidence. Do not assume the original discounted purchase price always produces sufficient replacement protection.

The linked wording sets the excess at £50 or 5% of the adjusted claim, whichever is larger. On an otherwise eligible £2,000 claim without other adjustments, 5% would be £100; this is an illustration of the formula, not a claim quote. Ask how cash, voucher and replacement settlements are valued before choosing between policies.

Sources: Protectmybike: current cover and FAQs · Protectmybike: January 2025 policy wording.

Cyclist planning a trip with a laptop and maps beside a road bicycle at home — Describe your commuting, trips and events accurately when comparing policy options.AI-generated illustration; not a photograph of a real product, location or test.

E-bikes, holidays and events

Protectmybike advertises optional worldwide protection with a maximum of 60 days per trip. Get the covered countries, transit terms and exact activity confirmed. A policy protecting the bicycle is not evidence of overseas medical or repatriation cover.

For racing, paid delivery or an unusual electric conversion, obtain a direct answer under the current wording rather than relying on a general bicycle-type list. A road-legal e-bike, a derestricted conversion and commercial delivery work can present different eligibility questions.

Sources: Protectmybike: current cover and FAQs.

Claims, strengths and limitations

The claims guide requests policy details, ownership evidence, photographs and a police reference for theft or vandalism. Transit losses may require a carrier report, with an airline Property Irregularity Report where relevant. Keep damaged items and locks and upload supporting records through the dashboard.

The provider gives a response target after receiving the necessary information, not a guarantee of settlement within that time. Our review has not tested a claim. Compare its collection ceiling and evidence rules with Bikmo, Laka and Sundays; a household discount should be considered only after all bicycles and uses are accepted.

Sources: Protectmybike: making a claim.

Protectmybike bicycle insurance: common questions

How many bikes can Protectmybike insure?

Its current website states a maximum of five bicycles and £20,000 combined value on one policy. Confirm the final schedule.

What is the Protectmybike excess?

The linked January 2025 wording says £50 or 5% of the adjusted claim, whichever is greater. Check the wording issued with your quote.

Can I claim without uploading bike photographs?

The published wording makes prior photographic evidence important to theft, vandalism and damage claims. Follow the dashboard requirements before a loss.

Cyclist reviewing paperwork at an outdoor table beside a bicycle — Keep the policy schedule, ownership evidence and claims instructions together.AI-generated illustration; not a photograph of a real product, location or test.

Compare bicycle insurance providers

Use the bicycle insurance comparison panel and provider directory to build a shortlist. Compare the same bicycle value, activities, storage, excess and dates.

Read our home versus specialist cover guide, approved-lock guide, theft claims checklist and cycling holiday insurance guide. For a commuting bike, check ownership and insurance responsibilities under your Cycle to Work scheme.

If a dispute remains unresolved, follow the complaints process in your policy and check whether the Financial Ombudsman Service can consider it.

Policy documents and official guidance

RideIn provides general information, not a personal recommendation. Use the policy wording and schedule issued with your quote to confirm cover; product terms can change.