Bike insuranceLive recovery
Bike theft insurance that recovers the bike first.
Standard bike theft insurance is a payout policy — pay premiums, file a claim, wait weeks, get a cheque. BackPedal puts a covert tracker on the bike and a recovery team behind it, so theft cover usually means the bike comes home, not paperwork.
- 79.7%Recovery rate
- ~48hTypical recovery time
- 24/7In-house ops team
Recovery with no exclusions
Even if you forgot to lock up — we still recover your bike.
Full insurance backup included
Underwritten by Sundays Insurance, FCA regulated.
Tracking kit & professional installation
Covert GSM, GPS & BLE tracking kit — expertly installed, all part of your subscription.
Trusted by thousands of families, commuters, racers and delivery riders because we do more than just insure… we recover.
What bike theft cover actually means
Most UK bike theft insurance is built around one outcome: paying you the value of the bike after it's been stolen and not recovered. The cover triggers when the bike is gone for good. By then, the thief has already profited and you're on a different bike.
BackPedal restructures this. Cover starts the moment you call our 24/7 hotline — but the first step isn't filing a claim, it's deploying a recovery team. Recovery has no exclusions. If we can't get the bike back, the Sundays-backed insurance steps in (subject to standard claim terms). Most subscribers never reach the claim step.
What's in your theft cover
Everything below is bundled into a single subscription. No add-ons, no tiered features.
24/7 recovery service
Active in-house ops team and recovery agents who go and get your bike back. The primary feature — most subscribers never claim under the insurance side.
Bike replacement insurance
If recovery can't get it back, the Sundays-underwritten insurance (FCA regulated) handles the claim — typically new-for-old or current-value — subject to standard terms. £50 fixed excess.
Accessories cover
Lights, computers, locks, panniers, and other accessories attached to the bike at the time of theft are covered, with a per-item cap.
Theft damage cover
If a thief damages the bike trying (but failing) to steal it — partially-cut lock, frame damage, ripped components — the repair is covered.
Traditional bike
insurance vs
BackPedal
A bike is stolen every 2 minutes in the UK. Fewer than 2% of thieves are ever caught. Traditional insurers don't care — they just price it into your premium. The thief profits. You start again. Nothing changes.
BackPedal is different. We track your bike, recover it, and return it to you — so the thief gets nothing. Insurance is our backup, not our business model.
What you get
RecommendedBackPedalRecovery + Insurance
Other Bike InsuranceTypical Policy
01Recovery & Protection
Get your actual bike back
Covert GPS tracking included
24/7 recovery team deployed
Bike stolen? One call and we take over
02No exclusions on recovery
Forgot to lock up? Still covered
Left outside your house? Still covered
Stolen whilst riding? Still covered
03Insurance
If we can't recover your bike, our backup insurance by Sundays kicks in — the same kind of cover you'd get from any other bike insurer. Standard terms apply and claims are subject to approval.
Financial cover for a replacement bike
Accessory cover
Theft damage cover
Excess
£50*
Varies
* No excess on recovery claims. £200 excess for battery-only insurance claims.
Theft cover vs home contents insurance
Home contents insurance often includes a bike-theft component. It's usually capped at a few hundred pounds and limited to thefts from inside your home — not from sheds, garages, the street, or while you're riding. Filing a bike theft claim on home contents almost always pushes your premium up the following year.
BackPedal's theft cover sits separately from your home policy. It's purpose-built for bikes, the £50 excess is fixed, and a successful claim doesn't move your home contents premium. Most importantly, it leads with recovery — home insurance doesn't recover anything; it just writes cheques.
Bike theft insurance FAQs
Is bike theft cover the same as bike insurance?
Bike theft cover is a category of bike insurance, but they're not identical. Most bike insurance bundles theft cover with accidental damage, accessories, and liability. BackPedal leads with active recovery rather than payout — we try to get the bike back first; if we can't, our Sundays-backed insurance handles a claim, subject to standard policy terms.
What's covered under BackPedal theft cover?
Theft cover handles the bike itself, accessories attached at the time of theft (up to a per-item limit), and damage caused during a theft attempt. Recovery service is the primary tool — most subscribers never reach the insurance claim step because the bike comes back. If insurance does kick in, £50 excess applies.
Does theft cover include damage caused by an attempted theft?
Yes. If a thief damages your bike trying (but failing) to steal it, the theft cover pays for the repair. Common scenarios: a partially-cut lock, cosmetic damage from a thief trying to remove components, damage to frame or wheels during an attempted lift.
Are accessories covered if stolen with the bike?
Yes, with a per-item cap. Lights, computers, locks, panniers, helmets, and other accessories attached to or stored with the bike at the time of theft are covered. Standalone accessory theft (e.g. a Garmin stolen separately while the bike's safe) typically isn't covered — same as most policies.
How does theft cover work with the recovery service?
Recovery runs first. If we get the bike back within the recovery window, the insurance side doesn't trigger and you pay no excess at all. If recovery fails, the Sundays-backed insurance steps in as a backup, subject to standard policy terms. The two are bundled into one subscription — there's no separate theft-cover product to buy.
Theft cover that gets the bike back
Recovery service + insurance backup + tracker hardware — all bundled. £50 excess on the rare cases recovery can't fix. Get a real price now.