Does bike insurance cover accessories?

Yes. BikeInsure covers non-stock-attached accessories and upgraded components that are listed at enrollment or added to the policy via a future policy endorsement request. These items are insured together with the bicycle or e-bike as part of your total Amount of Insurance.

Coverage applies to equipment attached to or fixed to the bicycle in addition to the manufacturer's original specifications. Common examples include groupsets, computers, pedals, cycling radar, power meters, saddles, wheelsets, extra batteries, water bottles, bottle cages, lights, seat bags, hydration packs, and installed or mounted pumps. A listed helmet is also covered.

When accessories are covered

Accessories are covered when they are damaged as part of a covered bicycle loss — such as a riding accident, transit incident, or when the bicycle is stolen, and theft coverage is selected.

Since coverage applies to the insured bicycle and its equipment together, coverage does not apply when only an accessory is taken or damaged by itself — for example, a light, computer, saddle, battery, or wheel removed from an otherwise undamaged bicycle or e-bike.

Items not attached to the bicycle — including clothing, shoes, glasses, phones, earbuds, or items stored inside bags — are not covered. Automobile bike racks and bike cases used in transit are also excluded.

When enrolling, enter the total Amount of Insurance using Bike Price + Listed Accessories so your complete cycling equipment is covered.

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