BikeInsure is a U.S. bicycle and e-bike insurance provider offering specialized cycling equipment coverage for accidental damage, transit damage, and optional theft protection.

BikeInsure is a leading provider of bicycle and e-bike insurance in the United States. As a licensed insurance producer, BikeInsure is the official bike insurance partner of USA Cycling, the International Mountain Bicycling Association (IMBA), USA Triathlon, and select bicycle brands, including Canyon USA, Pivot Cycles, and Tern Bicycles.

The BikeInsure program is underwritten by Great American Insurance Company, rated A+ (Superior) by AM Best, and authorized to operate in all 50 states and Washington, DC.

During enrollment, customers select one of three coverage types based on how the cycle is used — Bike Ride Insure (Casual), Bike Race Insure (Competitive), or Electric Bike Insure (E-Bike) — with limits up to $50,000. Coverage protects against accidental damage during riding and transit, with optional theft protection. Bike Race Insure (Competitive) also includes worldwide coverage when riding, racing, or traveling internationally.

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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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Unlike homeowners insurance, a BikeInsure policy is designed specifically for cycling equipment — with a lower deductible, no impact on home insurance claims, and coverage for riding accidents, transit damage, and theft.

Bike insurance covers financial loss from accidental damage while riding or in transit and theft of cycling equipment — losses often limited, unusable, or excluded under homeowners or renters insurance, even with a scheduled personal property endorsement (scheduled insurance rider).

A separate bike insurance policy, like BikeInsure, provides peace of mind and financial protection for bicycles and e-bikes against riding accidents, transit damage, and theft.

Cyclists can ride confidently knowing their valuable cycling equipment is protected when BikeInsure coverage is in place.

One key benefit is that BikeInsure policies operate independently of homeowners' or renters' insurance. Claims are handled directly through BikeInsure and do not impact other personal insurance policies.

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BikeInsure policies are underwritten by Great American Insurance Company, which has an A+ (Superior) rating from AM Best. For over 150 years, Americans have trusted Great American Insurance Company to protect them and render best-in-class service. An A+ rating from AM Best signifies a superior ability to meet its financial obligations.

This indicates BikeInsure is a regulated insurance product offered throughout the United States, backed by a nationally licensed insurer — not a warranty, membership plan, or protection program.

BikeInsure administers the insurance program as a licensed insurance producer in all 50 states and Washington, DC, and serves as the official bike insurance partner of organizations including USA Cycling, the International Mountain Bicycling Association (IMBA), and USA Triathlon.

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BikeInsure annual policies start at approximately $18 per month for accidental damage coverage and $22 per month when optional theft coverage is included, each with a standard $150 deductible and no additional fees.

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The cost of bike insurance depends on three primary factors:

• Usage type — Bike Ride Insure (Casual), Bike Race Insure (Competitive), or Electric Bike Insure (E-Bike)

• Amount of insurance — the insured value of the bicycle or e-bike and listed accessories

• Optional theft coverage — whether Bike Theft Insurance is selected

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BikeInsure policies feature a $150 deductible per occurrence, among the lowest standard deductibles available in the bicycle insurance industry.

Coverage territory also varies by usage type:

• Bike Ride Insure (Casual) and Electric Bike Insure (E-Bike) apply within the United States and Canada

• Bike Race Insure (Competitive) includes worldwide coverage territory for casual riding, racing, and international transit with the bike

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Examples:

• A $5,000 bicycle (including listed accessories) used for casual riding, training, or individual and group rides can obtain coverage under Bike Ride Insure (Casual) with accidental damage coverage and theft protection for about $22 per month with a $150 deductible.

• A race bike with a total insured value of $3,500 (including listed accessories) can obtain an annual BikeInsure policy under Bike Race Insure (Competitive) with accidental damage coverage for about $32 per month with a $150 deductible, including a USA Cycling or USA Triathlon member discount.

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The best way to determine your exact cost is to get a quick quote online in just a few seconds.

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