Do I need bike insurance if my bicycle has a warranty?

Yes. A bicycle warranty and bike insurance protect against completely different risks.

A bicycle or e-bike warranty is a promise made by the manufacturer (or a similar party) regarding the product's quality. It addresses defects in materials or workmanship and outlines conditions for repair, replacement, or refund if the product does not function as intended.

Bicycle insurance is a separate opt-in policy designed to help cyclists manage the financial risk to their bike or e-bike, as well as listed non-stock accessories and components. It covers sudden and accidental direct physical loss to insured equipment caused by riding accidents or transit damage, and can also cover theft when theft protection is selected.

How Warranty and Bike Insurance Differ:

If an e-bike battery malfunctions due to a defect → Warranty applies

If the battery is damaged in a crash → Bike insurance applies

If a bicycle is stolen while properly secured → Bike insurance applies

A warranty does not cover theft.

A warranty protects the product from factory defects. Bike insurance protects against financial loss from accidents, transit damage, and theft. Most cyclists rely on both the warranty and bike insurance because they cover entirely different situations.

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