Yellow Jersey cycle insurance review

Phoebe McCrostie By

Key policy features

  • Yellow Jersey's cycling insurance has a three policies including one that may be useful for serious cyclists with high-value bikes up to £15,000

  • They have one of the highest multi-bike discounts at 60%

  • Policies come with a free DNA+ security marking kit

  • You can get a quote by going straight to Yellow Jersey's site .

Summary

Co-founded in 2014 by cyclist and triathlete Ryan Georgiades, Yellow Jersey specialises in comprehensive insurance for cyclists.

Initially, it focused on serious cyclists and high-value bikes but in 2018 it launched new policies to appeal to a wider range of enthusiasts.

The company sponsors cycling events and insurers professionals, including Team Wiggins.

You can learn more about cycling insurance with our cyclist's guide to the best insurance , in which Yellow Jersey ranks as one of our top providers.

Overview of cover provided by Yellow Jersey

Yellow Jersey covers road bikes, mountain bikes, electric bikes, and offers triathlon and cyclocross insurance.

Here's a look at its three policies:

Essentials

This is Yellow Jersey's entry-level package that is designed to protect less expensive bikes from theft or damage in an accident.

It covers bikes worth up to £1,000 and has a total policy limit of £3,000 if you cover more than one bike. It can offer new for old replacement and also covers vandalism and public liability up to £2m.

It has a few handy features such as up to £250 for physio or dental treatment if you are injured in a crash and £250 worth of accessories cover.

Essentials does not include cover for sportives or races.

Performance

Performance is designed for enthusiasts who enter events and own one or more mid-level bike. It may be useful for club rides and sportives, holidays on the continent or MTB trail riding.

It builds on the Essentials cover by raising the single bike limit to £3,000 and the total bike limit is £10,000. It also includes cover for up to 30 days in Europe as well as sportives and charity events.

The physio and dental limit increases to £500 but accessories cover stays at £250. However, it will cover theft from vehicle and cover while you're in transit.

It will pay out up to £15,000 if you are permanently injured in a crash.

Ultimate

Yellow Jersey says its Ultimate cover is designed for cyclists that compete in the UK and abroad in crits, triathlons or mountain bike races.

It is comprehensive, specialist cover that includes competition cancellations, valuable equipment left in triathlon transition areas and bike boxes worth up to £1,000.

The company even says your claims dealt with by a team of experts, recruited from cycle clubs and shops to ensure they'll know exactly what you're talking about.

Ultimate has a single bike limit of £15,000 and a total policy limit of £50,000. It includes 120 days of worldwide or European cover and racing and sportives are covered.

Many of the previous cover levels featured in the other two policies are included in Ultimate and it has a £20,000 personal accident limit.

Read our article on how this could have helped Bought By Many's resident racer after his crash.

As we say in our guide to the best cycling insurers, Yellow Jersey could be useful for serious cyclists, people who attend competitions and events in the UK and abroad, high-value bikes and pros.

Although its newer policies are more accessible for people who own cheaper or mid-level bikes.

Are there Yellow Jersey insurance discount codes or promos?

Yellow Jersey occasionally offers its own discounts.

How much does insurance cover from Yellow Jersey cost?

Unlike some other cycling insurance companies, Yellow Jersey does not vary its prices by postcode. Premiums will depend on the value of your bike, the number of bicycles insured and the policy and options you choose.

When we got a quote in 2016 for a bike worth about £1,500, with no additional accessories, it said would cost around £150 a year on the Ultimate policy.

A £10,000 bike on the Ultimate policy would cost around £590 a year to insure in 2016.

You can get a quote by going straight to Yellow Jersey's site for a quote.

What do Yellow Jersey insurance customer reviews say?

Yellow Jersey had a score of 4.6 on customer review site Feefo in May 2018, based on over 500 customer reviews.

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