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Bike Shop Insurance

Keep the wheels turning knowing all your bike shop insurance needs are covered.

As the owner of a bike shop you often have many important things to prioritise, such as ensuring bicycles are safely and securely displayed. Finding the right insurance policy can often be challenging ‒ however as we’re an insurance broker, we do all the hard work for you.

All you need to do is tell us what you want your insurance policy to cover. We work closely with specialist insurers to arrange a policy that covers the areas of your business that you need to protect.

Whether you need insurance for bicycles and cycling equipment such as lights and valves, we can arrange the right insurance cover for your bike shop.

Cover Available for Bike Shops

  • Accidental damage.

  • Public and products liability.

  • Employers liability.

  • Contents cover.

  • Buildings cover.

  • Business interruption.

  • Money on premises or in safe.

  • Money on the premises outside business hours.

  • Money at home of insured or authorised employee.

  • Goods in transit.

  • Glass.

  • Legal expenses.

  • Book debts/accounts receivable.

  • Loss of rent receivable.

  • Tenants improvements.

  • Subsidence.

  • Terrorism.

  • Embedded machinery breakdown.

You Could Save Over 15%*

Mon-Fri: 8am - 6pm

Call our team to receive your free, no obligation quote today.

Quote line: 0330 134 4564
Premiums from as little as £269.00

In the past 12 months our customers have paid as little as £269.00** per annum for bike shop insurance.


Over 70%*** of our bike shop customers paid less than £500 per annum in the past 12 months.

* We randomly surveyed 54 new business policyholders (12.5%) with insurance start dates between 12 April 2019 and 1 August 2019. 93% made a financial saving by moving to smei, with an average saving of 15.96%. This data excludes commercial and residential insurance for landlords.

** Data compared from 11 policies sold between November 2017 and November 2018.

*** Based on 11 policies sold between November 2017 and November 2018, 8 customers paid less than £500.

What Types of Bike Shops Do You Insure?

Each bike shop has varying needs of protection depending on a number of factors. Your bike shop may have a complex range of bicycles ranging from road and cyclocross bikes to mountain and hybrid bikes. Why not speak to one of our advisers and let them know your requirements, and we’ll look for a policy that best suits your needs.

Why Do I Need Bike Shop Insurance?

Some types of insurance may be a legal requirement. Others will protect you and your bike shop in the event of a claim but are not compulsory. Not having the right insurance for your bike shop could be a false economy. For example, if you don’t have public liability insurance and a customer trips over equipment or boxes on the floor you may be liable to pay costs of compensation. Therefore, it makes sense to match your insurance protection to your requirements which should provide you with peace of mind that a potential claim won’t damage your business.

What Kind Of Bike Shop Insurance Cover Do I Need?

For bike shops, stock insurance should be a high priority, especially given the value of the products you are selling. Without your stock, you wouldn’t be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing. It can also be increased around busier seasonal periods when you may offer bikes and equipment that are more expensive or exclusive.

What Optional Cover is Available?

As we work with a panel of specialist insurers, we can arrange the insurance you want and need. All you need to do is tell us what you would like including in your policy and we will arrange that for you.

How Much Does Bike Shop Insurance Cost?

The cost of your insurance policy depends entirely on your needs. Our flexible policies can be adapted to fit your requirements and your budget too. For example, multiple options may be available from our panel of insurers – each with differing features and prices. We will find you several possibilities so you can make an informed decision on which option is best for you.

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Cover if your stock or materials are lost, stolen or damaged

Cigarettes and Tobacco

£

Photographic Equipment

£

Wines and Spirits

£

Clothing

£

DVDs, Blu-rays, CDs and Video Games

£

Jewellery

£

Electrical Equipment

£

All Other Stock

£

Please enter amount

£

This may include movable furniture, fixtures and other equipment with no permanent connection to the structure of the building.

Please enter amount

£

If you are a tenant you will be responsible for any improvements you have made.

Please enter amount

£

If yes, please enter amount. How much would it cost to rebuild your shop if it was badly damaged or destroyed entirely?

£

You Could Save Over 15% With Us*

Online quote form

Fill in our quick and easy form to receive a no obligation quote as soon as possible.

Direct quote line

Call our team to receive a no obligation, instant quote today.

Call the quote line: 0330 134 4564

Mon-Fri: 8am - 6pm

Feefo Reviews
90%

of our customers would recommend our service based on Feefo

Provided by Feefo
Customer Testimonials
Speech mark
Always prompt, helpful, professional, polite and I feel they try to find the best insurance for my needs.

Joyce Galloway

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