How do I file a bike insurance claim?

BikeInsure makes the claims process straightforward and separate from homeowners insurance.

‍BikeInsure claims do not affect your home insurance record. To ensure your submission is completed properly, gather the required information before starting your claim in the BikeInsure Customer Portal under Claims.

For all claims, please collect:

• Date of the loss
• Location of the loss
• Description of what happened
• Bicycle details (year, make, model, and serial number – if the serial number is unavailable at sign-up, it can be submitted after enrollment to complete the policy record)
• Policy number
• Your contact information (name, phone number, and email)

For riding or transit accident claims, also include:

• Clear photos of the damage
• A written repair estimate from a local bike shop of your choice
• Photos of the bicycle prior to the accident (if available)
• Invoices for the cycling equipment

For theft claims, also include:

• A police report or report number documenting the time, place, and manner of theft, and the security device used
• Photos of the bicycle prior to the theft (if available)
• Invoices for the cycling equipment

In the Event of an Accident or Loss Involving Other Parties

If your accident or loss involved another party — for example, a driver, another cyclist, or a third party's negligence — the BikeInsure claims process works the same way. Your claim is handled under your policy regardless of fault, so you don't need to wait on another party or their insurance company to start your claim.

In addition to the standard documentation listed above, if another party was involved, please also collect:

• The other party's name and contact information
• The other party's insurance information, if applicable (for example, a driver's auto insurance)
• A police report or incident report, if one was filed

Because your policy may give BikeInsure the right to recover its payment from the party responsible for the loss, don't sign a release or accept a settlement directly with the other party before speaking with your claims administrator, since doing so could affect BikeInsure's ability to pursue that recovery.

After gathering the required documentation, complete the claim form in the BikeInsure customer portal. A licensed claims administrator works directly with you and your bike shop to resolve the claim.

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