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What is BikeInsure?

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 Tower and Ball Park.
How much does a BikeInsure plan cost?

The comprehensive bicycle insurance plan with up to $10,000 in coverage per bicycle can be purchased for as little as $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 theft if my bike is stolen?

Yes! Optional bike theft insurance, with up to $10,000 in protection per bicycle, is an additional $8 monthly. In the event of a theft loss occurrence, you are responsible for a $250 deductible.

Likewise, ebike theft insurance is optionally available with any ebike coverage enrollment.

Bike Theft Insurance + $8/mo.
What types of bikes are covered?

The BikeInsure plan covers new or used bicycles powered by human pedaling such as road, triathlon, mountain, gravel, eBike, cyclocross, fat, and tandem.

Note: The BikeInsure plan covers pedal assist eBicycles at no additional cost.

BikeInsure bicycle and electric bikes.

To view more bicycle types covered by our separate bike insurance, please visit the Customer Stories page on BikeInsure.

Does my eBike need a separate bike insurance policy?

Yes! Today's eBikes need a specialty insurance policy. The BikeInsure plan covers eBikes at no additional cost.

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."

Got eBike? BikeInsure it, then Ride it!
I love my Electric Bicycle. How much is eBike Theft Insurance?

BikeInsure offers comprehensive yet inexpensive electric bike insurance, so we recommend our $16.99 monthly plan to any eBicycle pedal assist rider looking for an affordable peace of mind policy.

The insured may add optional eBike Theft Insurance for $8 monthly to their BikeInsure plan. The electric bicycle theft insurance comes with up to $10,000 in coverage per bicycle. In the event of a theft loss occurrence, you are responsible for a $250 deductible.

BikeInsure covers the "3-Class" eBike standards. All classes limit the motor's power to 750 Watts. 

  • 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.

eBike Theft Insurance
When is my bike covered?

The BikeInsure solution reimburses you for repairs to your bicycle due to accidents when riding an insured new or used bicycle powered by human pedaling on land within the United States, its territories and possessions, Puerto Rico, and Canada.

Coverage is also provided during transit of the scheduled bike.

The insurance extends to if the bike is stolen when optional bicycle theft insurance is selected.

Ride, Theft, Transit Bicycle Insurance.
What types of rides are covered?

As a cycling enthusiast, ensuring you have adequate insurance coverage is essential. With BikeInsure, you can have 'peace of mind' when riding! The separate bike insurance policy covers a wide range of rides, from casual to competitive and road to off-road.

Whether riding solo or with a group, commuting to work, or participating in a charity event, gran fondo, triathlon, or cycling race, BikeInsure has your bike covered. And if you're an electric bike rider, you can sign up for your eBike because the BikeInsure policy applies to it at no additional cost!

Commuters cycling on Washington, DC protected bike lanes.
Are accessories included in the insurance?

Yes, when enrolling your bicycle in a BikeInsure plan, any additional attached accessories, such as bags, bottle cages, cameras, computers, lights, mounted pumps, and radar, can be included in the List Bike Accessories section under Bike Information. These accessories will become a part of the scheduled bicycle definition, which is factored into the bike's overall value. You can also list non-stock attached components such as the groupset (gruppo), pedals, power meter, saddle, and wheelset.

Garmin Edge Bike Computer. Go Pro Hero 11 Action Camera.

After completing your quick sign-up process, watch for your BikeInsure plan policy. When you check the Equipment Schedule, you'll see that each accessory you listed on your application has been included in the corresponding bicycle definition.

BikeInsure Equipment Schedule with Accessories
Is transit coverage (shipped or transported) included?

Yes, the BikeInsure plan covers the listed bicycle while it is being shipped or transported within the coverage territory.

Transit of Ventum GS1 Gravel Bike on Bicycle Rack.
Is the Bicycle Insurance available during a competitive cycling event?

Yes, competitive rides, including triathlon, are covered as competing in competitive cycling events is accepted as normal bike use and is covered.

Cannondale Triathlon Bike at Ironman World Championship.
Do you insure professional cyclists?

Yes, although coverage is not provided for charter, hire, lease, or any other commercial use of a bicycle. Acting in the capacity of a professional cyclist is not considered a commercial use.

Professional Triathlete. Ironman World Champion.
Is bike insurance available for more than one bicycle?

Yes. A bike insurance policy can cover multiple bicycles at enrollment. Furthermore, additional bicycles may be insured on a separate policy when signed up after an original policy.

Two Rad Power eBikes. One BikeInsure Policy.
Do you only offer bike insurance to residents in the United States?

Yes. The BikeInsure plan can be obtained by residents 18 years or older.

Bicycle Insurance USA. Castelli Cycling Jersey.
Which states does the bike insurance currently offer coverage?

The BikeInsure policy has been filed and approved in all 50 states of the United States, plus Washington, DC.

Bike Insurance USA
I have homeowners insurance. Why get bicycle insurance?

Bikes cost a lot of money, and you want to protect your investment.

Many insurance experts advise us to consider today's homeowner's insurance as 'catastrophic loss protection.' Facts imply home insurance policies often have high deductibles. In addition, multiple claims can lead to cancellation or non-renewal and often have lower limits on certain individual items. As a result, a claim can cause your premium to jump significantly.

BikeInsure is a cost-effective, standalone, primary insurance solution for your bike. The BikeInsure smart alternative provides the protection you need without compromising your homeowner or renters insurance.

Click here to review the "Top 5 Benefits of Bike Insurance for Cyclists with Homeowners Insurance."

Homeowners Insurance vs Bike Insurance.
I financed my bike. May I get insurance for my credit-financed bike?

Yes. Bike manufacturers, bike shops, credit finance companies, and banks love the BikeInsure Loss Payee feature for credit-financed bicycles!

If another entity has a financial interest in your bicycle, at the BikeInsure checkout, you may optionally list the other entity as a loss payee on your policy. Then, in the event of a non-repairable loss, the claim proceeds can be split with the loss payee based on the loss payee's remaining financial interest in the bicycle.

Bike Now, Pay Later Credit Finance Bicycle Insurance feature.
I have accidental bike damage. How does my BikeInsure coverage help me?

The Bicycle Insurance can be used to safeguard your new and used bikes and eBikes. The insurance reimburses the bike's repairs and listed accessories due to riding accidents or during transit.

Trek Road Bike, Zipp Wheelset, Garmin Computer, GoPro Video Camera.
How much does the bike insurance pay for accidental damage?

BikeInsure physical damage coverage has a $10,000 per bike annual aggregate coverage limit and a $100 per occurrence deductible.

Suppose your bicycle is in an accident and physical damage to the insured bike occurs. In that case, the insurance will pay the amount necessary to repair the insured bike, not to exceed the value of the bicycle and the stated limit of insurance.

However, suppose the insured bike will not be repaired. In that case, we will pay the amount necessary to replace the bicycle with a current market substantially similar like and quality bike less the per occurrence deductible, not exceeding the stated insurance limit.

BikeInsure Bicycle Insurance has a generous $10,000 limit.
What if my bike is stolen? How much does the bike insurance pay?

The optional Bike Theft Insurance has a $10,000 per bike annual aggregate limit and a $250 per occurrence deductible.

If the covered bike gets stolen, the insurance will pay the amount necessary to replace the bicycle with a current market substantially identical like the kind or quality bike less the per occurrence deductible, not to exceed the stated limit of insurance.

BikeInsure optional Bicycle Theft Insurance has a $10,000 limit.
Will medical bills get covered if there is an injury in a cycling accident?

The insurance only applies to coverage of the bike.

No Medical Insurance.
Am I covered if I go abroad?

The policy territory coverage only applies to loss while the insured bicycle equipment is in transit by land or air from and to a location within the United States of America, its territories and possessions, Puerto Rico, and Canada.

Executives commuting to work on bikes in Washington, DC.
Is the BikeInsure.com website secure?

Yes. For your protection, the BikeInsure.com website utilizes secure Information Technology infrastructure services by Amazon Web Services (AWS), the leading provider of online host services. AWS provides the same secure solution to BikeInsure, designed and managed in alignment with best security practices and various Information Technology security standards, as it does to 80% of Fortune 500 companies.

We use Stripe as the secure payment gateway service for electronic credit card payments. Stripe is certified to the highest compliance PCI Service Provider Level 1 standards. PCI Level 1 is the most stringent level of certification available in the payments industry.

Bike Insurance is available to New York residents via the secure BikeInsure website.
What forms of payment do you take for BikeInsure?

At checkout, we accept all major credit cards such as Visa, Mastercard, American Express, and Discover, and debit cards.

We use Stripe as the secure payment gateway service utilized for electronic payments. Stripe is certified to the highest compliance PCI Service Provider Level 1 standards. This is the most stringent level of certification available in the payments industry.

BikeInsure accepts all major credit cards and debit cards.
How do I file a claim?

Filing a bicycle insurance claim is easy. First, log in to securely access your account and click on the link to 'Start A Claim.' From there, you provide a few details about the loss and can upload pictures of the damage. Then, follow the instructions for 'Claims.'

Bike Insurance Claim.
How quickly do I get paid?

We understand you want to return to riding as soon as possible. We assure you that we will work with you to resolve your claim in a timely manner. Once we verify the eligibility and damages of your claim, you can expect to receive your claim payments within 30 days. Please note that, on average, we have been able to resolve claims within seven days.

Bicycle Insurance Claim Timetable.
How long does my BikeInsure plan last?

The policy is issued for annual policy periods with automatic ongoing renewal to ensure continuous protection.*

*Policies will automatically renew for additional one-year terms so long as the policy holder continues to meet the insurer’s underwriting guidelines and standards.

Bicycle Insurance Policy Term.
What is the age requirement?

The BikeInsure plan can be obtained by insureds 18 years or older.

Bike Insurance Age Requirement.
Who is the insurance company backing the BikeInsure policy?

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.

AM Best rated A+ Great American Insurance.
Is it possible to cancel the BikeInsure plan?

BikeInsure understands the importance of financial flexibility for cyclists and offers an affordable annual insurance policy with convenient monthly installments. Canceling the policy is hassle-free. Use the contact form to request coverage cancellation. Your cancellation will be effective on your next monthly invoice date.

BikeInsure Cancel Policy
Is there any USA Cycling member discount?

Absolutely! BikeInsure, the official bike insurance partner of USA Cycling, offers a discount to all USA Cycling members. Simply log in to your USA Cycling member account to start the sign-up process and enjoy 'peace of mind' with BikeInsure coverage.

BikeInsure is the Official Bike Insurance Partner of USA Cycling

As a USA Cycling member, you can quickly sign up for BikeInsure Bike Coverage to safeguard your new and used bikes and eBikes from any damages resulting from riding accidents or while in transit. Plus, you can even add optional bike Theft Protection. When optional theft protection is selected, your coverage extends to a stolen bicycle or eBike.  

BikeInsure Official Bike Insurance USA Cycling.

BikeInsure CEO Buzzy Cohn advises that USA Cycling members get a specialty bike insurance policy to avoid riding, transit, or theft risks. While homeowners' insurance is necessary to protect your home from catastrophic losses, it is likely insufficient to safeguard your bike or eBike. Homeowner's insurance typically involves high deductibles, and filing a claim may increase your insurance premium. Making multiple claims may lead to the non-renewal of your policy and inclusion on the insurance industry's CLUE Report, making it difficult to get future home coverage. The BikeInsure policy is a simple bike insurance solution that provides comprehensive coverage. The significant advantage is that making a claim with a BikeInsure policy won't have any impact on your homeowner's insurance coverage. 

“As the official bike insurance provider of USA Cycling, BikeInsure brings a wealth of expertise and experience in safeguarding bicycles against theft, damage, and accidents. This partnership aligns perfectly with our mission to support and enhance the cycling experience for riders of all levels across the nation," said Eric Bennett, Director of Membership at USA Cycling. "Through our partnership with BikeInsure, we aim to provide riders across the United States with the peace of mind they deserve, ensuring that they can ride and race with confidence, knowing their bikes are protected."

Get BikeInsure. enjoy the ride. you're covered. USA Cycling.
Is there a discount available for IMBA members?

Yes! BikeInsure, the Official Mountain Bike Insurance partner of IMBA (International Mountain Bicycling Association), offers all IMBA members a discount. The partnership with BikeInsure will allow IMBA members to easily and affordably secure a comprehensive bike insurance policy from BikeInsure to protect their valued mountain bicycles and eBikes against riding, transit, and theft risks. The partnership allows IMBA members to have 'peace of mind' and get a great deal on insuring their bikes.

Visit your IMBA Member Benefits and log in to your IMBA account to start the sign-up process and enjoy 'peace of mind' with BikeInsure coverage.

BikeInsure is the Official Mountain Bike Insurance Partner of IMBA
Is there a discount for League of American Bicyclists members?

Yes! BikeInsure offers all League of American Bicyclists (Bike League) members a discount. Bike League shared, "This partnership with BikeInsure emphasizes the importance of protecting bicycles and electric bikes, which are essential transportation and recreation tools, through a separate bike insurance policy. League members can now access a discounted rate benefit with BikeInsure to protect their bicycles and e-bikes against riding, transit, and theft risks."

Visit your Bike League Member Benefits and log into your League account to start the sign-up process and enjoy 'peace of mind' with BikeInsure coverage. 

League of American Bicyclists BIkeInsure Official Bike Insurance.

"Bike issues are never fun. But there's good news for our League Members. BikeInsure, a trusted and reliable bike insurance provider, will offer affordable bicycle insurance solutions to members while supporting the organization's cause," said Kevin Dekkinga, Director of Membership and Development at the League of American Bicyclists. "With BikeInsure, you can protect your bicycle or e-bike and enjoy the 'peace of mind' that comes with knowing that you're only a $100 deductible from getting back on the road if a bike crash happens. This partnership is a win-win for both members and the organization."

Is there a Policy Sample of the BikeInsure plan?

Yes! Please click Specimen Policy Sample to review.

BikeInsure has a simple two-minute sign-up via computer or smartphone.

Top 10 Bicycle Insurance Highlights of BikeInsure Sign-Up:

  1. For a nominal $16.99 monthly recurring credit card charge, the bike or eBicycle is insured.
  2. Optional Bike Theft Insurance may be added for $8 monthly.
  3. New and used bicycles or eBikes are eligible.
  4. Multiple bikes or eBicycles may be enrolled.
  5. Bicycle Insurance Coverage is application only.
  6. No credit reports are required.
  7. No social security numbers are requested.
  8. No credit-based insurance scores are necessary.
  9. No additional underwriting requirements.
  10. The BikeInsure plan is underwritten by AM Best ‘A+’ (Superior) Great American Insurance Company. For 152 years, Americans have trusted Great American Insurance Company to protect them and render best-in-class service.

BikeInsure Policy Sample.
How do I get bicycle insurance?

BikeInsure sign-up is simple. Click Get BikeInsure for coverage.

BikeInsure it, then Ride it!
Get BikeInsure