Innovation intelligence brief
Innovation intelligence brief
We've made it easy for cyclists to find the right policy for their ride and their pocket. We offer three straightforward policies packed with extensive benefits to provide cyclists with cover they can rely on
What became of it
Completed · High confidence · Last verified 2026-10-17
As catalogued
Retailer-branded online cycle insurance with three simple policies, sold to the customer base of a large online cycling retailer.
2026 reality
Wiggle-branded cycle insurance is still offered in three tiers (Assist, Essential, Elite). Policies are arranged and administered by Gator Bikesure Ltd and underwritten by Red Sands Insurance Company (Europe) Ltd, which have supported them since 2015. The Wiggle brand and IP have belonged to Frasers Group since February 2024.
Wiggle Limited entered administration on 24 October 2023 after its parent Signa Sports United's financing was withdrawn, and Frasers Group bought the brand and IP from the administrators in February 2024. The insurance site states that the retail changes do not affect policies. The original insurance model remains substantially intact.
a conventional affinity scheme in which the retailer brand supplies reach and a specialist broker and carrier supply the insurance.
Third taxonomy
REVIEW · Verified insurance set-up on the live Wiggle insurance site and the retail administration and Frasers deal via trade press; corrected administration date from 2023-10-27 (Gazette notice) to 2023-10-24 (order) and the Frasers milestone from 2024-03 to 2024-02-22, adding sources.
Documented evidence
Features
Homepage 2018
Value Proposition
Value Proposition
Value Proposition
Value Proposition
Value Proposition
Value Proposition
Claims
Integrated with lock
Research interpretation
Classification paths, as catalogued, connect this example to the original insurance digitalization research models.