What is bike insurance, and how does bicycle insurance work?

Bike insurance helps protect your bicycle or e-bike from financial loss if it is damaged in an accident or stolen.

Coverage applies to new or used bicycles, e-bikes, and listed accessories, whether ridden casually or competitively, on-road or off-road. BikeInsure policies allow you to select the appropriate coverage type and Amount of Insurance based on the value of your cycling equipment — the bike and listed accessories — up to $50,000.

Unlike homeowners or renters insurance, BikeInsure is a separate policy designed specifically for cycling equipment, so claims do not affect your other personal insurance policies.

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