Are You Covered?

Whether you ride for commuting, competition, fitness or fun, cycling is a major investment of your money. Why rely on a homeowner’s or renter’s policy to cover that investment?


Policy CoverageAverage Homeowners PolicyBicycle Policy
Insured at Full Value?
Crash DamageNo
Theft CoverageLimited
Theft away from homeLimited
Vehicle contact protectionNo
Personal LiabilityYes
Replacement bicycle rentalNo
Event fee reimbursementNo
Cycling apparel?
Medical Payments?
Racing CoverageNo
Spare Parts Insured?
Covered in Transit?
Worldwide Physical Damage?
Roadside Assistance?

EXPLANATIONS OF COVERAGES

Bicycle Physical Damage

  • Primary coverage for the cost to repair or replace the cycle (including fixed accessories and components), up to the policy limit, due to sudden, accidental
    direct physical loss or damage to the cycle
  • Coverage applies if the insured bicycle is involved in a collision, fire, theft, vandalism, or hitting another object
  • Coverage includes protection while the bicycle is in transit (land or air) to and from any location in the US or Canada, as well as while competing in a triathlon
    or bicycle races
    • Rental reimbursement
    • Competitive event fee reimbursement
    • Spare parts
    • Cycle apparel

Bicycle Liability

  • Primary coverage for the injuries or property damage (caused by the insured bicycle) that the insured is legally responsible for.
  • Coverage limits offered $25,000, $50,000, or $100,000.

Medical Payments

  • Covers medical expenses of the cyclist if they are injured while on the insured bicycle, regardless of fault
  • Coverage limits offered $1,000, $2,500, $5,000, $7,500, or $10,000

Vehicle Contact Protection

  • Covers injuries if the insured is truck by an uninsured or underinsured motorist, while the insured is on the covered bicycle
  • Coverage offered at limits of $10,000 or $25,000

Roadside Assistance

  • Available for just $10 per year, per bicycle.
  • 24 hour emergency service provided, up to 25miles per tow, five tows per year

Get a Bicycle Insurance Quote