Is BikeInsure Worth It? An Honest Five-Star Claim Review

BikeInsure Claim Review: Coverage, Process, and Payout

In this customer Q&A, a BikeInsure policyholder explains what happened after their 2022 Norco Aurum mountain bike was seriously damaged during a ride at Luseno Bike Park near San Diego, California. Fortunately, the rider had a dedicated BikeInsure bike insurance policy with accident coverage in place just six weeks before the crash. Within days of submitting the claim, BikeInsure approved $3,519.69 toward the $3,619.69 repair cost. This real customer story explains how mountain bike accident insurance works — and why separate bike insurance can protect your investment without impacting your homeowners policy.

What bike did you get bike insurance for, and where did the accident happen?

I insured my 2022 Norco Aurum mountain bike, which I purchased for about $3,900. On Sunday, January 11th, I took it to Luseno Bike Park just outside San Diego. After shuttling up the mountain and riding one of the descents on a windy day, my bike hit a rocky section, and that is when my cherished mountain bike got seriously damaged. 

When did you enroll in BikeInsure coverage?

I was fortunate to have signed up for BikeInsure's accident coverage just 6 weeks before the incident, providing me with crucial peace of mind when I needed it most.

How did the BikeInsure claims process work?

The claims process was incredibly efficient. It only took a few days from submission to approval, which honestly surprised me.

How much did BikeInsure pay on your claim?

The approved repair cost was $3,619.69. After the small deductible, BikeInsure paid me $3,519.69.

Was BikeInsure worth it?

Absolutely. You guys at BikeInsure have been a godsend, and I don't know what I would do without you guys having my back out there. I couldn't wait to give you guys my five-star review. I appreciate it greatly. You gave me peace of mind, honestly, worth every penny. 

Would you recommend BikeInsure to other cyclists?

Yes! I'd be shit out of luck without BikeInsure. I now tell every bike owner that BikeInsure is a must. Cyclists are oblivious to the need for their own bike insurance policy. There is no point in losing your homeowners insurance for a bike accident like this. So if you own a bike in the US, especially in California, get BikeInsure, because your homeowners insurance can't do what BikeInsure does! Thank you, BikeInsure, for a product that has truly made all the difference.

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