Factor Bicycle Insurance - Bike Insurance Review

Factor Vista

I came across BikeInsure via USA Cycling and switched my bicycle insurance to them. Even though I had been using my Liberty Mutual homeowners insurance, paying additionally for my bikes listed as Scheduled Personal Property before, I found that BikeInsure offered more comprehensive coverage, a lower deductible, and a more affordable rate.

I received a call to welcome me from BikeInsure, and they were so helpful! Hearing that getting a separate bike insurance policy was the best way to insure my bicycle made a lot of sense. The brilliant part is, if I ever need to file a claim on my Factor Vista through BikeInsure, it won't affect my home insurance policy at all!

Trek Speed Concept

I had an unfortunate accident during a group bike ride. As a result of the collision, my bike's fork, wheel, and rotor were damaged, and my pride was hurt.

I had a fantastic experience with BikeInsure. They promptly helped me repair my bicycle at the bike shop of my choice. Not only that, but I received an insurance check for $2,125 in just ten days, which exceeded my expectations. Their service is truly impressive, and my bike appears as good as new.

Specialized Tarmac

My wife had a bike accident, leaving her Trek Domane bicycle with a cracked carbon frame. We live in California, where several Insurance Carriers have stopped selling new home insurance policies. As a result, although our Farmers insurance may have covered the claim, we realized that doing so, as our agent agreed, could cancel our homeowner's insurance policy. Therefore, we paid out-of-pocket to replace my wife's bicycle and decided to get a separate bike insurance policy for my Specialized and her Trek.

‍Our lesson learned was our homeowner's insurance policy could not cover our bikes, and that realization cost us a lot of money. We confidently chose BikeInsure because it is the only bicycle insurance company endorsed by USA Cycling.

Pinarello Dogma

Had it not been for BikeInsure, I'd be screwed.

My BikeInsure'd bicycle was recently stolen when a thief violated my life and stole my bike, which had my prosthetic arm still attached to the handlebar while I was training for the Paralympics.

BikeInsure promptly paid me $10,000 just days after I filed my claim. The claims adjuster was kind and efficient. I was relieved and grateful for the quick and compassionate service I received from BikeInsure.