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Car or bicycle? The pros and cons.

Its all Insurance

Posted on Tuesday, March 20, 2018

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Tired of rush hour traffic and the expense of ever increasing petrol prices? There might be more than one reason to swap driving for riding a bicycle.

Sure, there are many who swear that cycling is more a lifestyle than a mode of transport, but before you can start enjoying the benefits of an increase in exercise and decrease in parking tickets, you have to weigh up the pros and cons.

Here are some of those pro’s and con’s:



  • You can cross ‘petrol’ off your monthly expenses list and make a massive saving.
  • Save money on maintenance. The cost of upkeep is less on a bicycle than a car.
  • No traffic. You can choose the safest route to work and avoid the traffic.
  • No parking tickets and speeding fines.
  • One big benefit of cycling is improved health – it keeps you in great shape.
  • You will be decreasing your carbon footprint.
  • Cycling to work is the perfect stress diffuser as the exercise releases endorphins, which help you feel happier and more relaxed.


  • You are always at risk of careless drivers. No matter how strictly you adhere to the rules of the road, there is the possibility of coming in contact with a driver who doesn’t share your driving ethics. Wear high-visibility clothing and be vigilant at all times.
  • There is potential to be attacked or robbed while cycling. It’s worth looking into cycling clubs in your area, or find a buddy to ride with.
  • Bicycles are expensive and a prey of thieves, so you will need to lock it up while you’re at work, or keep it inside.



  • You can reach higher speeds, therefore travel further distances more efficiently.
  • You are relatively safer, protected from harm by the body of the car, seat belts, airbags and so on.
  • It’s practical in all weather and at all times of the day and night.
  • You can ferry passengers, cargo, shopping etc.
  • Good car insurance will give you peace of mind and cover the costs of an accident.


  • Relatively expensive to maintain and run on a daily basis.
  • If you don’t have Scratch and Dent cover, then wear and tear is something you need to put money aside for.
  • Every trip you take in your car contributes to global warming and increases your carbon footprint.
  • Finding parking at work or at the mall can be a headache.
  • Paying for parking adds up. Especially if you rent a space at work or home on a monthly basis. 
  • Rush hour traffic takes hours of your life and adds to stress, frustration and high blood pressure.

The above information is provided for informational purposes only and Budget will not be liable for any damages or harm suffered due to reliance on the above information.