Compare Bike Insurance. BikeInsure's 10+ Years of Experience Matters Most!

BikeInsure's 10+ Years Matters Most! Compare Bike Insurance.

The financial loss of a bike, e-bike, or para-adaptive cycle due to a riding or transit accident or theft should be a routine insurance claim.

America's Best Bike Insurance, BikeInsure, fills the gap by ensuring cyclists' bikes and e-bikes are financially protected against riding, transit, and theft risks. The comprehensive bike insurance solution is available nationwide. It features a low deductible, allowing cyclists to easily get their bikes and e-bikes repaired or replaced, which provides significant reassurance for their investment in their bicycle or electric bike. Additionally, filing a claim with a BikeInsure policy will not impact other insurance policies.

The Origin of BikeInsure

"My costly bike accident experience, even with a homeowner's insurance 'Scheduled Rider' for the damaged bike, and the realization that a claim could result in the policy being canceled, inspired me to create BikeInsure," said Buzzy Cohn, BikeInsure CEO.

Please visit HomeInsuranceProblem.com to learn more about a 'Scheduled Rider'.

BikeInsure offers comprehensive bike insurance for new or used bicycles and e-bikes. It covers the financial risks of riding, transit, and theft. With BikeInsure, you can ride with peace of mind, knowing your valued bicycle is only a small deductible away from getting fixed or replaced after a cycling accident or theft occurrence! 

BikeInsure is the Official Bike Insurance of USA Cycling. A USA Cycling Membership Quarterly Member Spotlight featured the BikeInsure CEO.

"This month, we take a moment to talk with Buzzy Cohn, an active member and the founder of BikeInsure, one of USA Cycling’s supporting partners. Learn how his experience participating in charity rides, followed by an unfortunate crash, led Buzzy to identify an underserved need in the cycling space and create a business to support that need." USA Cycling Member Spotlight.

"Creating BikeInsure was a labor of love, a far more complex process than portrayed on ABC's Shark Tank. It was a journey of dedication and sacrifice, involving countless unpaid work hours, from product modeling and research to data analytics compilation and meetings. We delved deep into the bicycle marketplace, the insurance industry, and among cycling consumers to offer a unique solution like BikeInsure. Our comprehensive coverage is designed to mitigate the costly financial risk exposure that all adult bicycle or e-bike owners face. The dedicated years require a significant commitment of life savings and a repurposed professional career. To achieve our goal, we had to find a top insurance carrier that believed in the product, the cycling lifestyle market, the bike insurance business plan, and the BikeInsure leadership."

The BikeInsure business plan required five elements:

1) BikeInsure brand.

The company name must relate directly to the bike insurance product. BIKEINSURE was selected. The United States Patent and Trademark Office granted BikeInsure the exclusive rights to four trademarks. These registered trademarks, including BIKEINSURE, have remained LIVE, indicating they are active and legally protected. These are crucial assets that distinguish our services from others in the market, ensuring that when you see the BIKEINSURE name, you are dealing with the official and authorized BikeInsure service.

2) Available Nationwide. 

No matter where you are in the United States, BikeInsure is available for sign-up by cyclists 18 years or older. Once enrolled, the bicycles or e-bikes are covered when used by the insured or family members of the household.

3) Simple Policy.

Home and car owners in the United States know that insurance is a 'requirement.' However, bicycle owners often ride unaware of the essential 'need' for separate bike insurance. Therefore, a clear BikeInsure policy simplifies the experience for comprehensive bike insurance.

4) Monthly installment payments.

Similar to pet insurance for dogs, BikeInsure simplifies bike insurance access with monthly credit card installment payments toward the annual policy.

5) Insurance Carrier Rated A+.

BikeInsure offers affordable and comprehensive insurance for bicycles and e-bikes in the United States. Licensed insurance producer BikeInsure, the official bike insurance partner of USA Cycling, International Mountain Bicycling Association (IMBA), USA Triathlon, The League of American Bicyclists, and Adventure Cycling Association, 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 over 150 years, Americans have trusted Great American Insurance Company to protect them and render best-in-class service.

BikeInsure offers Bike and E-Bike Coverages:

Bike Accident Damage Coverage

BikeInsure insures against the risk of sudden and accidental direct physical loss to insured new or used bike, e-bike, and para-adaptive cycle equipment. It reimburses your enrolled bicycle's repairs and listed accessories due to riding and transit accidents.

Bike Transit Damage Coverage

The standard BikeInsure Transit Coverage includes the secure transportation of your insured bike, e-bike, or para-adaptive cycle via car, bus, or train on land, as well as by ship over water and by airplane to your preferred destination. This coverage applies within the United States, its territories (such as Puerto Rico), and Canada.

Bike Theft Protection

When theft is selected, the BikeInsure policy protects the covered equipment against the financial risk of theft.

BikeInsure provides the broadest definition of bicycle theft and includes language regarding bicycle theft as 'secured property'.

In contrast, "The Markel Cyclist Policy" and "Velosurance Cyclist Policy" (underwritten by Markel American Insurance Company) offer narrower coverage, stating that the bike must be "secured to an immovable object with an appropriate security locking device."

"Sundays Cyclist Insurance Policy" has the narrowest requirement, specifying that the bicycle "must be locked by an approved lock to an immovable object."

Bike Accessories Included

Non-stock-attached bike accessories and components that are listed at enrollment or added to the policy via future policy endorsement requests will be covered and included in the bike's overall value.

Accessories include items such as bags, bottle cages, cameras, computers, lights, mounted pumps, and radar. Whereas, Components include, but are not limited to, the groupset (gruppo), pedals, power meter, saddle, and wheelset.

Your Bike or E-Bike deserves the Best Bike Insurance available. There are three approved bike insurance filings in the United States. Discover why cyclists pick BikeInsure over the competition. See How BikeInsure Compares.

Signing up for BikeInsure is easy and takes just two minutes. So, Get BikeInsure and enjoy the ride!