Pinarello Bicycle Insurance Cost - Bike Insurance Review

Pinarello Dogma

I had insured a previous road bike for years by scheduling an insurance rider on my Florida Homeowner's Policy. The extra cost was about 10% of the bike's value, adding over $1,000 annually to my homeowner's premium. I once had a cycling accident, and the insurance rider covered my scheduled bike. I received the payout for my home insurance claim along with a "Notice of Possible Increased Premiums."

The sad state of bike insurance significantly improved in 2023 when USA Cycling announced the BikeInsure partnership.

I signed up for BikeInsure, USA Cycling's official bike insurance, because it insures my bike with a separate policy from my homeowner's insurance.

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.