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What is BikeInsure?

BikeInsure is a specialty insurance agency that offers cyclists affordable bicycle coverage in the United States. BikeInsure developed a process that allows a cyclist to obtain physical damage insurance for a bicycle as easily as it was to get for your smartphone, all from the BikeInsure.com website.

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 150 years, Americans have trusted Great American Insurance Company to protect them and render best-in-class service.

Great American Insurance Tower. Great American Ball Park. Cincinnati, Ohio
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.

Ventum Road Bike with ENVE Carbon Wheelset
Does your eBike need a standalone bike insurance policy?

Yes! Today's eBikes need a standalone insurance policy.

The BikeInsure plan covers eBikes at no additional cost.

In addition, it 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.

Blaupunkt Foldable eBike
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.

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.

Triathlon Bike in Competitive Cycling Event. Giro Bike Helmet.
What types of rides are covered?

The Bicycle Insurance applies to casual and competitive, road and off-road bicycle rides such as individual, group, commuter, charity, gran fondo, and triathlon.

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

Yes, for certain accessories. At the time of enrollment, accessories must be included in the bicycle information and will become a part of the scheduled bicycle definition. Eligible accessories include helmet, computer, action camera, water bottle, bottle cage, light, seat bag, hydration pack, and mounted pump.

Garmin Bike Computer. GoPro Action Camera.
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 may have multiple bicycles. In addition, other bikes may be included in a policy at sign-up or may be added after enrollment.

Ventum NS1 Road Bike. Ventum ONE Triathlon Bike.
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 bicycle Insurance is available throughout the United States. Filings have been submitted yet remain pending approval in Florida.

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.

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 reimburse you for damages to your bicycle and accessories.

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?

Coverage only applies to loss which occurs on land 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, debit cards, and wallets such as Apple Pay, and Google Pay.

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, debit cards, and wallets.
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 will work with you to get your claim resolved in a timely manner. We understand you want to get back to riding again as soon as possible. Upon verification of the claim eligibility and damages, claim payments can be received within 30 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 Bicycle Coverage?

The BikeInsure plan is administered by a licensed insurance producer BikeInsure 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 150 years, Americans have trusted Great American Insurance Group to protect them and render best-in-class service.

Great American Tower. Cincinnati, Ohio
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 150 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.

America's best standardized Bike Insurance.