Enjoy the ride.
You're covered.

Get Coverage

Enjoy the ride.
You’re covered.

Get Coverage

The BikeInsure Advantage

Our premium nationwide coverage includes:

A ventum bike

BIKES

Road • eBike • Mountain
Gravel • Triathlon • Fat
Cyclocross • ElliptiGO • Tandem
A rider going through a mud puddle

RIDES

Casual to Competitive • Triathlon
Road to Off-Road • Gran Fondo
Individual to Group • Commuter
A garmin device mounted on a bike handlebar

ACCESSORIES

Computers • Cameras
Bottle Cages • Mounted Pump
Lights • Seat Bag

BikeCoverage

$16.99

/mo.
Coverage Highlights
Bike
Accessories
Transit
The TheftProtect icon
with optional
TheftProtect
+ $8/mo.
Get Coverage
Reviews

Customer Stories

A ventum bike

Trek Speed Concept

I had an unfortunate accident during a group bike ride. As a result of the collision, my bike's fork, wheel, and rotor were damaged, and my pride was hurt.

I had a fantastic experience with BikeInsure. They promptly helped me repair my bicycle at the bike shop of my choice. Not only that, but I received an insurance check for $2,125.94 in just ten days, which exceeded my expectations. Their service is truly impressive, and my bike appears as good as new.

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A ventum bike

Specialized Tarmac

My wife had a bike accident, leaving her Trek Domane bicycle with a cracked carbon frame. We live in California, where several Insurance Carriers have stopped selling new home insurance policies. As a result, although our Farmers insurance may have covered the claim, we realized that doing so, as our agent agreed, could cancel our homeowner's insurance policy. Therefore, we paid out-of-pocket to replace my wife's bicycle and decided to get a separate bike insurance policy for my Specialized and her Trek.

Our lesson learned was our homeowner's insurance policy could not cover our bikes, and that realization cost us a lot of money. We confidently chose BikeInsure because it is the only bicycle insurance company endorsed by USA Cycling.

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A ventum bike

Pinarello Dogma

Had it not been for BikeInsure, I'd be screwed.

My BikeInsure'd bicycle was recently stolen when a thief violated my life and stole my bike, which had my prosthetic arm still attached to the handlebar while I was training for the Paralympics.

BikeInsure promptly paid me $10,000 just days after I filed my claim. The claims adjuster was kind and efficient. I was relieved and grateful for the quick and compassionate service I received from BikeInsure.

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FAQ

Get Answers

What is BikeInsure?
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BikeInsure, the official bike insurance partner of USA Cycling, the International Mountain Bicycling Association (IMBA), and the League of American Bicyclists, is a specialty insurance agency that provides the best and most affordable bicycle insurance to cyclists in the United States. They specialize in providing physical damage insurance for bicycles, including optional bike theft protection, in a streamlined process similar to buying insurance for your smartphone. Signing up for a policy takes just two minutes at the BikeInsure.com website.

With BikeInsure, you can receive reimbursement for damages to your bicycle, eBike, and accessories caused by riding accidents or transit. And if you opt for bicycle theft protection insurance, you'll get comprehensive coverage for any costs associated with stolen bikes or eBikes.

BikeInsure Bicycle Insurance USA

Licensed insurance producer BikeInsure is administering the insurance plan, underwritten by carrier Great American Insurance Company, rated "A+" (Superior) by AM Best, an authorized insurer in all 50 states and Washington DC. For 152 years, Americans have trusted Great American Insurance Company to protect them and render best-in-class service.

Great American Insurance + Ball Park
How much does Bike Insurance cost?
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The comprehensive bicycle insurance plan with up to $10,000 in coverage per bicycle can be purchased for $16.99 per month. In the event of a bike accident loss occurrence, you are responsible for a $100 deductible.

BikeInsure Comprehensive Bicycle Coverage = $16.99/mo.

  • Road Bike Insurance is $16.99/mo.
  • eBike Insurance is $16.99/mo.
  • Triathlon Bike Insurance is $16.99/mo.
  • Mountain Bike Insurance is $16.99/mo.
  • Gravel Bike Insurance is $16.99/mo.
  • Fat Bike Insurance is $16.99/mo.
  • Cyclocross Bike Insurance is $16.99/mo.
  • Cargo Bike Insurance is $16.99/mo.
  • Your Bicycle Insurance is $16.99/mo.

Bike Coverage $16.99/mo.
Does BikeInsure offer Bike Theft Insurance?
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Yes! During enrollment for BikeCoverage, you may select the optional Bicycle Theft Insurance, which is an additional $8 monthly. When 'BikeCoverage + TheftProtect' is selected, the $10,000 annual aggregate limit is extended to cover the listed bicycle or eBike in case of riding or transit accidental damage and theft.

In the event of bike theft loss, you are responsible for a $250 deductible.

Bike Theft Insurance + $8/mo.
Does my eBike need Bike Insurance?
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Yes! Today's eBikes need a specialty insurance policy. The BikeInsure plan covers eBikes!

BikeInsure is a separate insurance policy designed specifically for bicycles and eBikes. Unlike homeowners' insurance policies that likely exclude electric bikes due to their classification as motorized vehicles, BikeInsure covers the "3-Class eBike standards."  

  • Class 1: eBikes that are pedal-assist only, with no throttle, and have a maximum assisted speed of 20 mph.
  • Class 2: eBikes that also have a maximum speed of 20 mph, but are throttle-assisted.
  • Class 3: eBikes that are pedal-assist only, with no throttle, and a maximum assisted speed of 28 mph.

All classes limit the motor's power to 750 Watts.

In addition, BikeInsure provides reimbursement for repairs to your eBike and listed accessories due to accidental damage when riding. Coverage continues during the transit of the electric bicycle and extends to a stolen eBicycle when optional eBike theft insurance is selected.

Click here to review the "Guide to America's Best eBike Insurance."

BikeInsure it, then Ride it!
Who is the insurance company backing the BikeInsure policy?
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The BikeInsure plan is administered by a licensed insurance producer, BikeInsure, the official bike insurance partner of USA Cycling, International Mountain Bicycling Association (IMBA), League of American Bicyclists, and is underwritten by AM Best 'A+' (Superior) rated carriers Great American Insurance Company and Great American Spirit Insurance Company. According to AM Best, "An 'A+' (Superior) grade is assigned to insurance companies that have superior ability to meet their financial obligations."

For 152 years, Americans have trusted Great American Insurance Group to protect them and render best-in-class service.

Great American Insurance
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