BikeInsure, the official bike insurance partner of USA Cycling, the International Mountain Bicycling Association (IMBA), and USA Triathlon, 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.

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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.

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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.

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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.

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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."

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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), USA Triathlon, 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.

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