Bicycle Insurance in South Africa

Whether you are a recreational or professional cyclist, you will benefit from Bicycle (Bike) Insurance for this sport – consider cover for both your bicycle and accessories.

Does your Bicycle Insurance cover Personal Accident?
Does your Bicycle Insurance also cover Personal Accident?
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Are you considering road biking or mountain biking? Bicycle Insurance is needed to cover cyclists from more than just a fall! 

More and more people are trading their unhealthy lifestyles for lifestyles that would see them become fitter, leaner and generally healthier individuals.

If you are a keen cycling enthusiast in South Africa, you will need insurance for your bicycle (bike) and kit. The bicycles, cycling gear and accessories that goes with the sport are expensive. You may also want to get specialist cover if you partake in cycling events and races.

As a cyclist, you will be exposed to dangerous road conditions that may even cause death or disability.

Being a specialist niche area, all available product options should be considered.

These options may be confusing...

In fact, the smartest thing you can do is -- Get a specialist broker to do it for you!

Also, note the following guidelines, tips and considerations applicable to Bicycle Insurance:

  • Check your territorial limits – will your Bicycle Insurance cover you abroad?
  • Will your bicycle be insured whilst in transit? Will you enjoy cover on a full replacement basis, for both your bicycle and bike accessories?
  • What is the cover options on your Bicycle Insurance? Are you covered for perils such as theft, accidental loss, damages, highjacking and fire?
  • Make sure to compare the various Bicycle Insurance policy’s excess structures, as some insurers give fixed excesses whilst other may vary.
  • Consider the entire package knowing your level of participation in the sport of cycling. The more active and serious you are about cycling, the wider the scope of cover options you should explore – such as legal liability, damage at time trails or track events. Also, look for medical benefits and personal accident for death or disability.
  • Niche specialist Bicycle Insurance products may also offer trauma counselling in the event of a highjacking or armed robbery, provided it happened when you were training.
  • Specialist bicycle products will also cover you if your trip is cancelled, due to certain prescribed circumstances. This may be of value, given the costs attached to some cycling events and races.
Does your Bicycle Isurance cover you when cycling abroad?
Does your Bicycle Insurance cover you when cycling abroad?
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