what is bicycle insurance?

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Bicycle insurance designed for the way you ride.

Transportation. Recreation. Fitness. Competition. Relaxation. We understand that each cyclist has a different reason for riding. And no matter what your reason is, we’re here to provide you with customized protection to fit your riding style.

Don't wait until you file a claim to find out if you have the proper protection for your bike.

Think your homeowners or renters insurance properly covers your bike?  Think again. If you ever need to file a claim, you may be shocked to discover that your current policy is filled with exclusions and restrictions that limit what you can get in replacement costs for your damaged or stolen bike.

While it may be true that homeowners insurance personal property coverage could provide support for bicycle theft, some homeowners policies may have low coverage limits for things like sporting goods equipment. A low coverage limit combined with a high deductible means bicycle owners may be faced with the majority of the cost to replace their bikes. That’s why having a separate bicycle insurance policy can ensure that no matter how high the value of a bike, it’s covered in times of crisis.

why do you need bicycle insurance?

It’s really all about protecting everything you’ve worked so hard for and will work hard for in the future.

Bicycle Physical Damage

If you’re in an accident or your bicycle is stolen, it costs money, often a lot of money, to fix or replace it.

Vehicle Contact Protection

Covers injuries if, while on the insured bicycle, the insured is struck by an uninsured or underinsured motorist.

Bicycle Liability

Primary coverage for the injuries or property damage (caused by the insured bicycle) that the insured is legally responsible for.

Medical Payments

Covers medical expenses of the cyclist if they are injured while on the insured bicycle, regardless of fault.

Confidential and Simplistic.

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