Which BikeInsure coverage type applies to my bike?

BikeInsure offers three coverage types — Casual, Competitive, and E-Bike — based on how the insured cycle is used.

Bike Ride Insure (Casual)

Applies to everyday riding, commuting, fitness, training, and mass-participation charity rides that do not require a racing license. Coverage applies to individual and group rides, on-road or off-road, within the United States and Canada.

Bike Race Insure (Competitive)

Applies when the insured cycle is used in at least one competition annually, such as triathlons, gran fondos, gravel events, criterium races, or any cycling event requiring a racing license. Includes all Casual riding usage and features worldwide coverage when riding, racing, or traveling internationally.

Electric Bike Insure (E-Bike)

Applies to electric bicycles meeting Class 1–3 specifications (up to 750 watts and 28 mph pedal assist). Valid for casual, commuter, fitness, training, and mass-participation rides that do not require a racing license.

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