Your Global

Cyclist Insurer

Providing leading specialist cyclist insurance solutions to partners around the world

Who is Two Three Bird?

Two Three Bird is a global insuretech business that provides innovative and sophisticated bicycle and cyclist insurance solutions to our partners in three continents

What we do

Our plug-and-play insurance solutions enables seamless integrations into partner businesses, providing partners with insurance offerings that enhance their customer value proposition and generate long term revenue.

Our end to end insurance services empowers our partners to focus on building their brand, distribution and customer engagement while we seamlessly cover all insurance licences, product development, underwriting, website development and integration, policy administration, customer service and claims management.

Some of our cyclist insurance services

Flexible Product Development

We work with our partners to develop bespoke products to fit the requirements of their client bases

Insurance licences, underwriting and pricing

Leave the heavy lifting to us. We already operate in 4 continents and have access to licences across the globe

Regulatory compliance

Our team takes care of all the regulatory and compliance requirements so you can focus with peace of mind on the exciting stuff

Web development and integration

We can assist you with creating an online sales channel or we can integrate with your existing website


Policy administration

We take care of everything around policy administration, collections, debt management and anything else you can think of

Claims capabilities

Getting your customers back on their bicycles is what we do and we do it seriously well

Sales and Customer Services

We deliver unrivaled customer service through our 24/7 call centre. Our team are all cyclists and that ensures a very specialist and personal experience

Configurable Reporting

We will provide you with access to all your data and work with you to create the reporting you require

Generating New Ideas. Solving Big Problems


Satisfied Clients


Cups Of Coffee

Some of our partnerships

Our model, use of technology, scale and experience enables us to deliver end to end insurance solutions to partners in a more competitive, agile and low cost way. Our win-win-win philosophy for our partners, policyholders and TwoThreeBird ensures complete alignment for all parties.



We designed an insurance offering to connect one of our own brands, Sundays Insurance, and Strava, the world’s leading fitness tracking and social media app. Since 2017, Sundays Insurance has been a global perks partner for Strava and has gained exposure to millions of subscribers in the US, UK, and Australia.



Wiggle Cycle Insurance

We empower Wiggle to serve their customers with a suite of market-leading vital cyclist insurance products across three continents. Our plug-and-play insurance products include underwriting, website administration, call centre operations, customer service, and claims management - a seamless insurance value chain highlighted by Wiggle Cycle Insurance’s 4.5/5 Trustpilot score.




Chain Reaction Cycles Insurance

Through our partnership with Chain Reaction Cycles, one of the world’s largest online bicycle retailers, they are able to focus on scaling, driving sales, and increasing customer satisfaction while our plug-and-play offering enables them to enhance their customer relationships with a seamless bicycle insurance experience.








Direct Line Group

Direct Line, one of the UK’s leading insurers, wanted to launch a specialist cyclist insurance product aimed at commuters, leisure seekers, and cycling enthusiasts. By combining our specialised capabilities with their scale and legacy, Direct Line is able to offer their customers a personalised authentic cyclist insurance experience tailored to their needs.





We’re a strategic investor in Hubtiger, operating in the US, UK, Australia, Mexico, Brazil and South Africa. Hubtiger is a revolutionary platform that connects cyclists, cycling clubs, and bike stores. By integrating with Strava and point of sales systems, it’s the ultimate software tool to track maintenance, book services, and manage bicycle workshops.









Lightspeed offers point-of-sale and e-commerce software in over 100 countries, and we integrated with their POS system to enable bike shops to offer insurance with every new bicycle purchase. The customer can be insured in minutes before they leave the shop, while the shop earns extra revenue for each policy sold.




Bicycle Network

Bicycle Network is Australia’s largest and most active cycling advocacy non-profit group. It exists to make the world, and particularly Australia, a better place for cyclists by making cities more rideable. We support them and their cause by supplying them with a fully white-labeled bicycle insurance solution for their cyclist membership base.








Aus Cycling

We’re passionate about advocating for cyclists and safer roads for them to ride on, so naturally we’ve supported Australia’s national cycling bodies over the years - initially through Velosure with Cycling Australia, and currently through Sundays Insurance with Aus Cycling. Now, Aus Cycling members can access preferred rates for the best cyclist and bicycle insurance products in the market through Sundays Insurance Australia.




Real Bike Insurance

Real Insurance is one of Australia’s most recognisable direct insurers, offering insurance for home contents, motor, life, and pets. In 2009, we launched our very first bicycle insurance white label partnership with Real Insurance to offer Real Bike Insurance, giving customers an authentic and reliable cyclist insurance experience.e.






Why we are different

The insurance industry is characterised by significant barriers to innovation which result in slow and incremental change, leading to an inability to integrate niche insurance into businesses existing distribution channels.

Legacy systems, long development times and onerous governance structures have created an inflexible innovation environment with high costs and significant backlogs. This has resulted in a systemic problem where traditional insurance providers have been unable to support niche segments with appropriate flexible and tailored insurance solutions.

Two Three Bird has solved the inherent obstacles of this complex environment, allowing partner businesses to integrate niche insurance solutions that enhance their customer value proposition and generate additional revenue.


Our Team


Our team is made up of ex-pro cyclists, bicycle mechanics, and bicycle store managers with over 13 years of experience in the bicycle insurance industry. With team members based in the United Kingdom, United States, Australia, and South Africa, we offer global expertise with localised insights and personal service.






Chief Financial Officer




Get in Touch

Talk to us about our partnership options and how we can
explore new business opportunities, or contact us directly on [email protected] or phone
RSA +27 (21) 300 8387 // AU +61 (2) 9055 8208
US +1 (302) 485 0270 // UK +44 20 3997 9108

7 + 6 =

United States

1000 N. West Street
Suite 1200

United Kingdom

1st Floor
5 St Helen's Place
City of London


Level 12
465 Victoria Avenue

South Africa

2nd Floor
De Wet Square
Cnr Bird Street and Church Street

South Africa

South Africa


United States

United Kingdom

United Kingdom