Bike insurance, compared honestly.
Most bike insurance comparisons rank policies by premium price. That hides the thing that actually matters: what happens when your bike is stolen. We break the UK options down by model — payout vs recovery, community pool vs traditional — and explain where BackPedal differs and where it doesn't.
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.
The UK bike insurance landscape
There are five main bike insurance options in the UK worth comparing: Laka, Bikmo, PedalSure, Yellow Jersey, and BackPedal. They split into three categories.
Traditional payout insurers (Bikmo, PedalSure, Yellow Jersey) — pay premiums, claim when a bike's stolen, receive a payout. Differences are mostly UX, price, and claims-handling speed. Yellow Jersey adds broader cycling cover (race, travel, event).
Community pool (Laka) — members contribute to a shared pot, no excess, payouts come from the pool. Strong community focus; well-suited to cyclists who like the model.
Recovery-first (BackPedal) — a 24/7 recovery team retrieves the bike when it's stolen; the Sundays-backed insurance steps in only if recovery fails. Different product solving the same problem differently.
Honest comparisons, page by page
Each page covers what the competitor does well and where BackPedal differs.
BackPedal vs Laka
Community pool model, no excess, modern UI. Cycling-focused.
Learn moreBackPedal vs Bikmo
Traditional UK incumbent, longest track record, broad cover.
Learn moreBackPedal vs PedalSure
Modern entrant, straightforward payout-style policy, digital-first.
Learn moreBackPedal vs Yellow Jersey
Broader cycling-services business: insurance plus race + travel cover.
Learn moreTraditional 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.
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.
Why recovery beats payouts
If your bike comes back, you don't need a payout. There's no excess, no waiting for a claim, no replacement-bike compromise — you ride the bike you already had. That's the BackPedal angle and why we lead with recovery.
Recovery runs UK-wide. We already protect thousands of ebikes for nationwide fleet partners and recover their bikes from anywhere in the country — the recovery team isn't a London-only operation. The covert tracker reports position wherever the bike ends up, our 24/7 ops team monitors continuously, and recovery agents go and get the bike back.
The one thing that's currently regional is the consumer install network: a BackPedal mechanic visits to professionally fit the tracker, and that mobile visit is currently available in London zones 1–4. Fleet bikes get bulk-installed at depots, which is why fleet cover already runs nationwide. The consumer install network expands in 2026.
Bike insurance comparison FAQs
What's the best bike insurance in the UK?
It depends on what you value. The major UK options — Laka, Bikmo, PedalSure, Yellow Jersey, and BackPedal — each have a different angle. Laka uses a community pool model with no excess; Bikmo is the traditional incumbent; PedalSure focuses on modern straightforward cover; Yellow Jersey runs a broader cycling-services business; BackPedal is built around active recovery. The honest answer: we think recovery is the best bet, but it depends on whether you want the bike back or just a payout.
Which is the cheapest bike insurance?
Price varies by bike value, but headline price isn't the right metric — claim outcomes matter more. The cheapest policies often have narrow cover (long exclusion lists, low payout caps, no recovery). BackPedal bundles the tracker hardware (~£150), professional installation, and recovery service into the subscription (annual in year 1, monthly or annual from year 2), which makes the actual cost-per-good-outcome competitive even when the headline isn't the lowest.
Why does only BackPedal offer recovery?
Traditional insurance is built around the payout — it's cheaper to operate than running a recovery team. BackPedal flipped the model: we built the recovery infrastructure first, with insurance as the safety net. Other UK bike insurers focus on the financial product; we focus on getting the bike back.
Are your comparisons fair?
We try to be. Each comparison page outlines what the competitor does well (community model, traditional reliability, modern UI, etc.) and where BackPedal differs (recovery, no exclusions on the recovery side, bundled tracker). We don't claim competitors are bad — they're different products solving the same problem differently. The right one for you depends on whether you want the bike back or just a payout.
Can I switch from another bike insurer?
Yes. Cancel your existing policy and join BackPedal — usually with no fee or penalty (check your existing policy wording). Talk to us if you want help timing the switch around your renewal date.
See if BackPedal is right for your bike
Quote tool gives you an instant price for your bike's value. No email required. If recovery is the right model for you, the maths usually works.