We teamed up with the legends over at Cycler to offer riders like you something completely unique. Cover as standard includes a multi-bike discount, free upgrade cover, no nasty price increases at renewal and a whole load more!
Here at Muc-Off we’re all riders first and foremost. We’ve bought bike insurance policies ourselves and experienced the painfully long quote process, the “gotcha” clauses and yearly price hikes. It sucks! Take a look below to see why this is different.
Getting a quote takes less than 60 seconds!
Plus use the discount code MUCOFF for a special discount.
Road or mountain. Pedal power or eBikes. Commuter or leisure. NextGen will have you covered. All items below come as standard with every policy – no jargon or sneaky T&Cs here!
You can insure multiple bikes on one policy. Better yet, every bike you add gets a 25% discount. You’ll also just have the one renewal date after 12 months.
New bike day, new insurance day? Nope, we’ll update your existing policy and there’s no extra charge, even if you’ve gone all out and treated yourself to a more expensive toy.
A no claims discount bonus is applied to every policy based on the number of consecutive years you’ve gone without making a claim.
Your premiums won’t go up when you renew, no matter what happens. In fact, your premiums will actually decrease every year if you don’t make a claim.
As well as insuring your bike, you’ll get £15,000 personal accident cover in the event that you seriously injure yourself whilst out cycling.
Every policy also comes with £1m third party liability cover as standard*.
Whether you’re out and about or at home, your precious steed is covered for theft, so long as you’re using a gold standard lock.
You’re covered for any accidental damage to your bike and accessories – whether it’s a traffic accident, or even damage in transit caused by a third party.
We’ll organise for your bike to be collected and repaired at one of our approved bicycle repairers. If you’ve made a claim and are waiting on the repair or replacement of your steed, you’ll get all important bike hire to help keep you on two wheels.
Say ‘f**k that’ to insurance price hikes every year. Your premiums won’t go up when you renew, no matter what happens. In fact, your premiums will actually decrease every year if you don’t make a claim.
You can insure multiple bikes on one policy. Better yet, every bike you add gets a 25% discount. You’ll also just have the one renewal date after 12 months.
Tell your mates. Tell your family. Tell your fellow shredders. Shout about it to anyone you know with a bike! Share the love to give them a bangin’ discount. You’ll earn cashback too – rad right?
You’ll have access to your own customer portal to make changes to quickly and easily check your policy or update your details online.
A no claims discount bonus is applied to every policy based on the number of consecutive years you’ve gone without making a claim.
Say ‘f**k that’ to insurance price hikes every year. Your premiums won’t go up when you renew, no matter what happens. In fact, your premiums will actually decrease every year if you don’t make a claim.
You can insure multiple bikes on one policy. Better yet, the more bikes you add, the greater the discount. You’ll also just have the one renewal date after 12 months.
Tell your mates. Tell your family. Tell your fellow shredders. Shout about it to anyone you know with a bike! Share the love to give them a bangin’ discount. You’ll earn cashback too – rad right?
You’ll have access to your own customer portal to make changes to quickly and easily check your policy or update your details online.
A no claims discount bonus is applied to every policy based on the number of consecutive years you’ve gone without making a claim.
Option to add competing cover (covers sportives & races)
Accidental cover
Vandalism
Theft at or away from home
Aggrevated theft
European cover
Worldwide cover (public liability cover is limited to UK & Europe)
Pre-owned bike (proof of purchase required)
Accessories cover (up to £1,500)
Single bike limit (£15,000)
Max policy limit (£75,000)
Public liability (£1,000,000)
Mobile phone cover
Legal (this is often covered by your bank account, home or motor policy.)
Dental cover (£7,500)
Loss of limb (£5,000)
Loss of sight (£5,000)
Permanent injury/death (£10,000)
Physio cover
No claims discount
Replacement bike
Free bike cover
Family cover
Multi cover discount (25%)
Excess (5% of insured value)
20% off a Hiplok bike lock with every policy
It takes less than 60 seconds!
Simply hit GET A QUOTE and you’ll go through to NextGen’s site to tell them a little about your bike and receive a quote in under 60 seconds. You’ll need to share pictures showing the condition of your bike when you start your policy.
If you purchase bike insurance, you’ll become a NextGen customer. You’ll receive your insurance documents and a policy overview detailing your cover in plain English – there’s no over-the-top insurance talk here.
Use NextGen’s online portal to access your policy, make changes, make a claim, and withdraw cash you’ve earned from referring friends and family! NextGen’s friendly UK customer service team are also on hand to help should you need them.
CYCLER Insurance are an intermediary who work with the UK’s leading Insurers and they’re a little different to what you're used to. They exist to engineer and distribute the next generation of insurance products that are supported with outstanding service and available at super affordable prices.
Very easy experience on getting my bike insurance, simple website and great price also listed everything I wanted to know very happy – Matt Tyler.
So easy to get a great quote and then carry on to complete, payment is easy and uploading images of your bike and kit is simply take your pic and upload. – trusted customer
Gives great coverage and protection for my bike, gear and myself. So easy to set up too! – Pete Elsworth
Very easy and quick to sort out . Prices seem very fair too . – Bennet Hillman
It’s easy. You can head to your NextGen Customer Area or hit up their dedicated UK based claims squad. They're one of the best teams around, and with a Feefo Gold Standard customer service rating of 4.7 out of 5, you're in safe hands.
With a Cycler policy, your bicycle’s covered whether you’re in the house or out on a ride, it’s fully protected. The policy covers damage and theft, personal accident, public liability, cycle breakdown, accessory cover as well as keeping you protected across Europe. As well as offering cycle hire while you are without your bicycle.
Your bicycle might be covered under your home insurance policy, but the cover is unlikely to meet all of your needs and could leave you without your bicycle for a considerable amount of time as home insurance claims can take a while to resolve.
Home insurance isn’t designed with your bicycle in mind, so is unlikely to cover you for personal accident, theft away from the home and public liability. On top of this, if you claim on your home insurance, the excess you may be required to pay could be higher than the cost of having separate bicycle insurance. It’s likely that your contents insurance premium may then increase when your policy comes to renewal because of the claim you made.
All bicycles are insured (eBikes, road bikes, mountain bikes, gravel bikes, track bikes, even unicycles!). Scooters and mopeds are not covered.
Theft, while your bicycle is in or on a vehicle, is only be covered in circumstances where all doors, windows and other openings are left closed, the bicycle is securely locked and properly fastened and where the theft of the bicycle is a direct result of the use of force and violence; and any security devices installed in the vehicle and cycle rack are in operation; and the cycle is stored out of sight or is secured through the frame by an approved lock to the roof or cycle rack attached to the vehicle.
The vehicle must have valid motor insurance, a valid MOT certificate and current road tax. All windows must be capable of being securely fastened and locks must be capable of rendering the vehicle secure.
Yes! Every bike is worth insuring. Pre-owned bikes can be insured so long as you can show proof of purchase.
For bicycles less than three years old, we recommend listing them at the recommended retail price. For bicycles older than this, we recommend listing them at their market value, the price usually paid for a bicycle the same age, type and condition as yours.
A Gold Sold Secure lock meeting the appropriate gold standard category for cycles. For more information please visit Sold Secure at soldsecure.com.
Cycler Insurance are an intermediary who work with the UK’s leading Insurers and they’re a little different to what you're used to. They exist to engineer and distribute the next generation of insurance products that are supported with outstanding service and available at super affordable prices.
The Insurance Underwriter is UKGI (U.K. General Insurance) and Watford Insurance Company (Europe) Ltd.
You have the right to cancel this policy within 14 days of the date you purchased the policy and receive a full refund, unless you've made a claim in which case the full premium would be payable.
If you wish to cancel the policy after 14 days, we will provide a refund, less a proportionate charge for any cover already provided and an administration fee, unless a claim has been made or there has been an incident likely to result in a claim.
Where a claim has occurred or there has been an incident likely to result in a claim no refund of premium will be provided. If you pay for your policy by monthly instalments, you must pay the remainder of your monthly instalments or pay the remainder of the annual premium in full.
Rad bike insurance made simple, no hidden costs, no hidden T&Cs, just straightforward cover, so you can focus on doing what you love – riding bikes!
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