FAQ

BikeInsure, the official bike insurance partner of USA Cycling, the International Mountain Bicycling Association (IMBA), and USA Triathlon, is a specialty insurance agency that provides the best and most affordable bicycle insurance to cyclists in the United States. They specialize in providing physical damage insurance for bicycles, including optional bike theft protection, in a streamlined process similar to buying insurance for your smartphone. Signing up for a policy takes just two minutes at the BikeInsure.com website.

With BikeInsure, you can receive reimbursement for damages to your bicycle, eBike, and accessories caused by riding accidents or transit. And if you opt for bicycle theft protection insurance, you'll get comprehensive coverage for any costs associated with stolen bikes or eBikes.

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Licensed insurance producer BikeInsure is administering the insurance plan, underwritten by carrier Great American Insurance Company, rated "A+" (Superior) by AM Best, an authorized insurer in all 50 states and Washington DC. For 152 years, Americans have trusted Great American Insurance Company to protect them and render best-in-class service.

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The comprehensive bicycle insurance plan with up to $10,000 in coverage per bicycle can be purchased for $16.99 per month. In the event of a bike accident loss occurrence, you are responsible for a $100 deductible.

BikeInsure Comprehensive Bicycle Coverage = $16.99/mo.

• Road Bike Insurance is $16.99/mo.
• eBike Insurance is $16.99/mo.
• Triathlon Bike Insurance is $16.99/mo.
• Mountain Bike Insurance is $16.99/mo.
• Gravel Bike Insurance is $16.99/mo.
• Fat Bike Insurance is $16.99/mo.
• Cyclocross Bike Insurance is $16.99/mo.
• Cargo Bike Insurance is $16.99/mo.
• Your Bicycle Insurance is $16.99/mo.

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‍Yes! During enrollment for BikeCoverage, you may select the optional Bicycle Theft Insurance, which is an additional $8 monthly. When 'BikeCoverage + TheftProtect' is selected, the $10,000 annual aggregate limit is extended to cover the listed bicycle or eBike in case of riding or transit accidental damage and theft.

In the event of bike theft loss, you are responsible for a $250 deductible.

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‍Yes! Today's eBikes need a specialty insurance policy. The BikeInsure plan covers eBikes!

BikeInsure is a separate insurance policy designed specifically for bicycles and eBikes. Unlike homeowners' insurance policies that likely exclude electric bikes due to their classification as motorized vehicles, BikeInsure covers the "3-Class eBike standards."  

• Class 1: eBikes that are pedal-assist only, with no throttle, and have a maximum assisted speed of 20 mph.
• Class 2: eBikes that also have a maximum speed of 20 mph, but are throttle-assisted.
• Class 3: eBikes that are pedal-assist only, with no throttle, and a maximum assisted speed of 28 mph.

All classes limit the motor's power to 750 Watts.

‍In addition, BikeInsure provides reimbursement for repairs to your eBike and listed accessories due to accidental damage when riding. Coverage continues during the transit of the electric bicycle and extends to a stolen eBicycle when optional eBike theft insurance is selected.

Click here to review the "Guide to America's Best eBike Insurance."

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Electric bicycle theft insurance is available for an additional $8 monthly option to any eBike at sign-up. During enrollment for BikeCoverage of the electric bike, you may select the optional Bicycle Theft Insurance. When 'BikeCoverage + TheftProtect' is chosen, the $10,000 annual aggregate limit extends to cover the listed bicycle in case of riding or transit accidental damage and theft.

In the event of an e-bike theft loss, you are responsible for a $250 deductible.

BikeInsure covers the "3-Class" eBike standards. All classes limit the motor's power to 750 Watts. 

• Class 1: eBikes that are pedal-assist only, with no throttle, and have a maximum assisted speed of 20 mph.
• Class 2: eBikes that also have a maximum speed of 20 mph, but are throttle-assisted.
• Class 3: eBikes that are pedal-assist only, with no throttle, and a maximum assisted speed of 28 mph.

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The BikeInsure plan covers new or used bicycles powered by human pedaling, such as road, triathlon, mountain, gravel, e-bike, cyclocross, fat, trike, recumbent, elliptical, and tandem.

Note: The BikeInsure plan covers pedal assist eBicycles at no additional cost.

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To view more bicycle types covered by our separate bike insurance, please visit the Customer Stories page on BikeInsure.

The BikeInsure solution reimburses you for repairs to your bicycle due to accidents when riding an insured new or used bicycle powered by human pedaling on land within the United States, its territories and possessions, Puerto Rico, and Canada.

BikeInsure includes transit coverage on every covered bike. Transit includes securely transporting the bicycle or e-bike on a car rack via land and by air when you fly to your favorite destination within the coverage territory.

The insurance extends to if the bike is stolen when optional bicycle theft insurance is selected.

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As a cycling enthusiast, ensuring you have adequate insurance coverage is essential. With BikeInsure, you can have 'peace of mind' when riding! The separate bike insurance policy covers a wide range of rides, from casual to competitive and road to off-road.

Whether riding solo or with a group, commuting to work, or participating in a charity event, gran fondo, triathlon, or cycling race, BikeInsure has your bike covered. And if you're an electric bike rider, you can sign up for your eBike because the BikeInsure policy applies to it at no additional cost!

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Yes, when enrolling your bicycle in a BikeInsure plan, any additional attached accessories, such as bags, bottle cages, cameras, computers, lights, mounted pumps, and radar, can be included in the List Bike Accessories section under Bike Information. These accessories will become a part of the scheduled bicycle definition, which is factored into the bike's overall value. You can also list non-stock attached components such as the groupset (gruppo), pedals, power meter, saddle, and wheelset.

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After completing your quick sign-up process, watch for your BikeInsure plan policy. When you check the Equipment Schedule, you'll see that each accessory you listed on your application has been included in the corresponding bicycle definition.

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Yes, the BikeInsure Transit feature, included in every bike insurance policy, covers the listed bicycle while in transit. Transit includes transporting the bicycle or e-bike securely on a car rack via land and by air when you fly to your favorite destination within the coverage territory, which consists of the United States, its territories and possessions, Puerto Rico, and Canada.

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Yes, competitive rides, including triathlon, are covered as competing in competitive cycling events is accepted as normal bike use and is covered.

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Yes. A bike insurance policy can cover multiple bicycles. Each bike or eBike will have its corresponding premium and limit. Click the "+ Add Another Bike" button on the Bike Information screen to add more bikes during enrollment. The policy's total cost for all bicycles will appear as configured.

Furthermore, additional bicycles may be insured on a separate policy when signed up after an original policy.

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The Bicycle Insurance can be used to safeguard your new and used bikes and eBikes. The bicycle insurance reimburses the bike's repairs and listed accessories due to riding accidents or during transit.

As seen in the Bicycle Retailer and Industry News article 'BikeInsure aims to reduce cyclists' homeowner's insurance burden,' So if you side-swipe that $250 Shimano XTR derailleur against a rock or snap that $450 SRAM eTap AXS shifter on the pavement, it's not necessarily an "Oh, shift!" moment.

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BikeInsure physical damage coverage has a $10,000 per bike annual aggregate coverage limit and a $100 per occurrence deductible.

Suppose your bicycle is in an accident and physical damage to the insured bike occurs. In that case, the insurance will pay the amount necessary to repair the insured bike, not to exceed the value of the bicycle and the stated limit of insurance.

However, suppose the insured bike will not be repaired. In that case, we will pay the amount necessary to replace the bicycle with a current market substantially similar like and quality bike less the per occurrence deductible, not exceeding the stated insurance limit.

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A cyclist involved in a bike accident with their bicycle insured shared, "I crashed my 2023 Specialized Tarmac SL8 while cycling with friends in Arizona. We hit a section of road scraped for construction work. Before I knew it, my wheels were swept out from beneath me, which destroyed my Roval Rapide CLX II carbon wheels, handlebars, shifters, saddle, and carbon saddle rails.

The only painless aspect of my crash was my claims experience with BikeInsure. The lady in claims guided me through making a claim, and I was paid $4,071.58, with only the bike accident deductible of $100 to pay.

‍I tell all my cycling friends that I have BikeInsure, I crashed, and the bike insurance works!"

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A BikeInsure customer involved in a bike crash shared, "BikeInsure was the best $25 bucks I have ever spent."

The last thing I would have ever wanted was to have an accident. The last thing I would have ever wanted was to destroy a bike. But I race, I had a bike accident, and I destroyed the bicycle.

BikeInsure was the best $25 bucks I have ever spent. 

Beyond the insurance claim, the best part about this whole experience has been your level of customer service. You have personally called after my signup, have followed up, been extremely professional, beyond friendly and genuinely cared about me as a person. That is unmatched anywhere else.

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A USA Cycling Member who signed up for BikeInsure shared, "I was riding my 2018 Canyon Ultimate in California when I crashed after hitting a pothole. I took my bike to Summit Bicycle in Palo Alto for an evaluation. Luckily, I have BikeInsure! The bike shop gave me a written estimate for my bike insurance claim to fix the required handlebar and Shimano derailleur issues. The total damages, including parts, labor, and tax, amounted to $654.31.

Thanks to USA Cycling for offering BikeInsure, the bike shop fixed my Canyon, and I only had to pay the $100 bike insurance deductible."

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The optional Bike Theft Insurance has a $10,000 per bike annual aggregate limit and a $250 per occurrence deductible.

If the covered bike gets stolen, the insurance will pay the amount necessary to replace the bicycle, along with the listed non-stock attached accessories and components, with a current market substantially identical to the kind or quality bike, less the per-occurrence deductible, not to exceed the stated limit of insurance.

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A cyclist whose electric bicycle was insured shared, "I became a victim of bike theft when my eBike got stolen!"

It sounds horrible, which it is, yet it was not all bad news because of BikeInsure. In my time of stress, BikeInsure calmly advised me to file my claim with a police report. Amazingly, shortly after submitting my claim, the claim administrator from Great American Insurance contacted me.

BikeInsure has got to be the best bike insurance around. Thank you for choosing Great American to underwrite the BikeInsure policy. BikeInsure is a great bicycle insurance product and an amazing service to cycling customers. I am forever grateful and will recommend BikeInsure to every bike owner I know.

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A BikeInsure customer with optional theft insurance shared, "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.

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WARRANTY promises what to expect, whereas INSURANCE guarantees covering the unexpected.

A warranty for a bicycle or e-bike is a promise made by the manufacturer or a similar party to ensure the quality of their product. It guarantees the quality of its product and outlines the conditions for repairs, refunds, or exchanges if the product doesn't function as intended. This knowledge empowers consumers to ensure that the bicycle goods they purchase meet the advertised standards.

Bicycle insurance is a separate opt-in policy intended to help cyclists manage the financial risks of their bike or e-bike and all attached non-stock accessories and components listed on the policy. Its purpose is to provide coverage against the risk of sudden and accidental direct physical loss to insured equipment caused by riding or transit accidents. In addition, bicycle insurance can cover theft if the bike or e-bike is stolen.

If your e-bike battery malfunctions, it is considered a warranty issue. However, if you have BikeInsure insurance and crash the e-bike that damages the expensive battery, it will be covered under your bicycle insurance policy.

Moreover, the warranty is not applicable if your eBike is secured and stolen. However, it will be covered under your bicycle insurance policy if you have BikeInsure Theft Protection.

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Yes! Bicycle and e-bike owners must obtain a separate bike insurance policy to protect their valuable bikes, as home or auto insurance often does not cover them. Cyclists securing separate bike insurance is crucial to mitigate the costly financial risks related to riding, transit, and theft that all bike owners face while protecting their other insurance policies, such as homeowners' or renters' insurance, in case of more costly catastrophic potential home losses.

BICYCLES - While insuring your bike with your home insurance policy may not provide sufficient coverage due to personal property limits (for example, a $2,500 limit) and exclusions, it's crucial to consider what happens when a bicycle accident happens while riding or transit, or if theft occurs!

Why risk it? Homeowners should view their insurance as protection against catastrophic losses instead of covering bicycles. If a bicycle claim occurrence is covered by the homeowner's policy, even with a scheduled Rider for the bike, the costs associated with Homeowners or Renters insurance CLAIMS are:

• Premium Increases,
• Non-renewal: Cyclists refer to as Cancellation and 
• CLUE Reports: Consumers Claim Information when underwriting or rating a home insurance policy, which can impact a homeowner's eligibility for coverage. Cyclists refer to the CLUE Report as UNinsurable with a Private Insurer!

Note: Scheduling a non-electric bicycle as a Rider on a home insurance policy may increase the bike's coverage limits and even lower the homeowner's insurance deductible for the scheduled bicycle. However, home insurance claims still jeopardize your homeowner's insurance policy because they lead to higher homeowners' premiums and non-renewal (cancellation) of the home insurance policy.

ELECTRIC BIKES - Homeowners' insurance policies often exclude e-bikes as homeowner's property that is not covered because e-bikes are classified as motorized vehicles.

BikeInsure is a cost-effective, standalone, primary insurance solution for your bicycle and electric bike. The BikeInsure smart alternative provides the protection you need without compromising your homeowner or renters insurance.

Click here to review the "Top 5 Benefits of Bike Insurance for Cyclists with Homeowners Insurance."

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Yes. The BikeInsure plan is available for sign-up by adults 18 years or older with a residential address in the United States. Once enrolled, the bicycles or e-bikes are covered when used by the insured or family members of the household.

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Yes! The BikeInsure policy is available nationwide, having been filed and approved in all 50 states and Washington, DC.

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The policy territory coverage only applies to loss while the insured bicycle equipment is in transit by land or air from and to a location within the United States of America, its territories and possessions, Puerto Rico, and Canada.

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The bicycle insurance only applies to coverage of the bike.

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Yes, although bike insurance does not cover charter, hire, lease, or any other commercial use of a bicycle, acting in the capacity of a professional cyclist is not considered a commercial use.

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Great News for Professional Triathletes! If you are a professional athlete based in the US competing in the Ironman World Championship in Kona, Hawaii, or any other triathlon in the United States, you can enroll for BikeInsure. Train and compete with peace of mind, knowing that BikeInsure covers your triathlon bike and all non-stock-attached bicycle accessories from riding, transit, and theft risks.

To learn more about Triathlon Bike Insurance, go-to "Unlock the Top 10 Reasons to get Triathlon Bike Insurance."

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The BikeInsure plan is available for sign-up by adults 18 years or older. Once enrolled, the bicycles or e-bikes are covered when used by the insured or family members of the household.

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BikeInsure provides a one-year policy to cover bicycles and e-bikes, as unexpected bicycling accidents or thefts may occur at any time during the year. The policy is not available for short-term insurance.

The BikeInsure policy is issued for annual policy periods with automatic ongoing renewal to ensure continuous protection.*

Each bicycle insurance policy is scheduled for monthly credit card payments for the one-year bike insurance policy. There are no additional fees.

* Policies will automatically renew for additional one-year terms so long as the policyholder continues to meet the insurer's underwriting guidelines and standards.

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BikeInsure understands the importance of financial flexibility for cyclists and offers an affordable annual insurance policy with convenient monthly installments. Although BikeInsure is unavailable for short-term insurance and may not be paused during the term, canceling the policy is hassle-free. Use the contact form to request coverage cancellation. Your cancellation will be effective on your next monthly invoice date.

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Filing a bicycle insurance claim is easy. First, log in to securely access your account via the 'Claims' button at BikeInsure.com and click on the link to 'Start A Claim.' From there, you provide a few details about the loss and can upload pictures of the damage. Then, follow the instructions for 'Claims.'

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We understand you want to return to riding as soon as possible. We assure you that we will work with you to resolve your claim in a timely manner. Once we verify the eligibility and damages of your claim, you can expect to receive your claim payments within 30 days. Please note that, on average, we have been able to resolve claims within seven days.

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The BikeInsure plan is administered by a licensed insurance producer, BikeInsure, the official bike insurance partner of USA Cycling, International Mountain Bicycling Association (IMBA), USA Triathlon, and is underwritten by AM Best 'A+' (Superior) rated carriers Great American Insurance Company and Great American Spirit Insurance Company. According to AM Best, "An 'A+' (Superior) grade is assigned to insurance companies that have superior ability to meet their financial obligations."

For 152 years, Americans have trusted Great American Insurance Group to protect them and render best-in-class service.

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Absolutely! BikeInsure, the official bike insurance partner of USA Cycling, offers a discount to all USA Cycling members. Simply log in to your USA Cycling member account to start the sign-up process and enjoy 'peace of mind' with BikeInsure coverage.

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As a USA Cycling member, you can quickly sign up for BikeInsure Bike Coverage to safeguard your new and used bikes and eBikes from any damages resulting from riding accidents or while in transit. Plus, you can even add optional bike Theft Protection. When optional theft protection is selected, your coverage extends to a stolen bicycle or eBike.  

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BikeInsure CEO Buzzy Cohn advises that USA Cycling members get a specialty bike insurance policy to avoid riding, transit, or theft risks. While homeowners' insurance is necessary to protect your home from catastrophic losses, it is likely insufficient to safeguard your bike or eBike. Homeowner's insurance typically involves high deductibles, and filing a claim may increase your insurance premium. Making multiple claims may lead to the non-renewal of your policy and inclusion on the insurance industry's CLUE Report, making it difficult to get future home coverage. The BikeInsure policy is a simple bike insurance solution that provides comprehensive coverage. The significant advantage is that making a claim with a BikeInsure policy won't have any impact on your homeowner's insurance coverage. 

“As the official bike insurance provider of USA Cycling, BikeInsure brings a wealth of expertise and experience in safeguarding bicycles against theft, damage, and accidents. This partnership aligns perfectly with our mission to support and enhance the cycling experience for riders of all levels across the nation," said Eric Bennett, Director of Membership at USA Cycling. "Through our partnership with BikeInsure, we aim to provide riders across the United States with the peace of mind they deserve, ensuring that they can ride and race with confidence, knowing their bikes are protected."

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Yes! Attention all IMBA members! BikeInsure, the Official Mountain Bike Insurance partner of IMBA (International Mountain Bicycling Association), offers all IMBA members a special discounted rate at sign up.

You can SIGN UP with BikeInsure now and quickly protect your beloved bikes. Having BikeInsure will give you 'peace of mind' and contribute to IMBA's sustainability. IMBA members who have signed up at the BikeInsure website have said, 'The enrollment process is easy!' To enroll, visit your IMBA Member Benefits and log in to your IMBA account to start the sign-up process and enjoy 'peace of mind' with BikeInsure coverage.. It takes only two minutes.

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Anthony Duncan, Director of IMBA Local, stated in the IMBA Welcomes BikeInsure Press Release, "BikeInsure makes it easy for our members to protect their mountain bikes, including e-bikes, from theft, transit damage, and even accidents that may occur while riding. Knowing many of our members travel for destination riding, and regularly transport their bikes to trailheads in their local and regional communities, IMBA members will be stoked to have BikeInsure's Transit Protection included when they sign up."

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Yes! We are thrilled to offer each USA Triathlon member BikeInsure at USATinsure.com. At the special USAT discount rate, this bike insurance provides comprehensive bicycle coverage, including all expensive attached accessories and components, without affecting any other policy when filing a claim. BikeInsure it, then enjoy the triathlon Ride!

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USA Triathlon shared, "Our partnership with BikeInsure aims to reduce the financial risk of owning a triathlon bike through bike insurance. Members who enroll with BikeInsure will receive coverage for their bikes, offering them the 'peace of mind' that comes with knowing that they're only a small BikeInsure deductible away from getting back on the road in case of a bike accident or theft, and will allow our members to fully enjoy their triathlon pursuits."

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Buzzy Cohn, CEO of BikeInsure, indicated, "A bike is insured when it's BikeInsure'd. Unlike homeowners' insurance, which primarily covers catastrophic home losses and does not provide sufficient coverage for triathlon bikes, even with a home insurance scheduled rider, triathletes prefer BikeInsure as the better option.

Yes! Adventure Cycling members may access a discounted rate here with America's Best Adventure Bike Insurance to protect their bicycles and e-bikes from transit, theft, and riding risks.

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"We are excited that Adventure Cyclists can travel by bicycle worry-free from financial loss due to bike accidents and theft with our BikeInsure partnership," said Maxton Caplanides, Director of Development & Membership at Adventure Cycling Association. "When our supporters pedal out on a bike adventure, whether they are riding across the country or exploring close to home, they are often doing so with bikes and equipment that would cause undue hardship to replace due to an accident or theft. BikeInsure's commitment to providing comprehensive coverage for bicycles and e-bikes aligns with our ​work​ to help people feel empowered to venture out into the world by bike and takes one major source of anxiety out of the equation."

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Yes! BikeInsure offers all League of American Bicyclists (Bike League) members a discount. Bike League shared, "This partnership with BikeInsure emphasizes the importance of protecting bicycles and electric bikes, which are essential transportation and recreation tools, through a separate bike insurance policy. League members can now access a discounted rate benefit with BikeInsure to protect their bicycles and e-bikes against riding, transit, and theft risks."

Visit your Bike League Member Benefits and log into your League account to start the sign-up process and enjoy 'peace of mind' with BikeInsure coverage. 

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"Bike issues are never fun. But there's good news for our League Members. BikeInsure, a trusted and reliable bike insurance provider, will offer affordable bicycle insurance solutions to members while supporting the organization's cause," said Kevin Dekkinga, Director of Membership and Development at the League of American Bicyclists. "With BikeInsure, you can protect your bicycle or e-bike and enjoy the 'peace of mind' that comes with knowing that you're only a $100 deductible from getting back on the road if a bike crash happens. This partnership is a win-win for both members and the organization."

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Yes! Attention all Bicycle Colorado members! BikeInsure, Bicycle Colorado's official bike insurance company, offers all BicycleColorado.org members a special discounted rate upon sign-up.

Signing up with BikeInsure is a breeze, allowing you to quickly protect your beloved bikes. This straightforward enrollment gives you 'peace of mind' and contributes to Bicycle Colorado's sustainability.

To enroll, visit the Bicycle Colorado Member Benefits and scroll down under Miscellaneous to start the sign-up process for BikeInsure coverage. It takes only two minutes.

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Yes! Please click Specimen Policy Sample to review.

BikeInsure has a simple two-minute sign-up via computer or smartphone.

Top 10 Bicycle Insurance Highlights of BikeInsure Sign-Up:

1. For a nominal $16.99 monthly recurring credit card charge, the bike or eBicycle is insured.
2. Optional Bike Theft Insurance may be added for $8 monthly.
3. New and used bicycles or eBikes are eligible.
4. Multiple bikes or eBicycles may be enrolled.
5. Bicycle Insurance Coverage is application only.
6. No credit reports are required.
7. No social security numbers are requested.
8. No credit-based insurance scores are necessary.
9. No additional underwriting requirements.
10. The BikeInsure plan is underwritten by AM Best ‘A+’ (Superior) Great American Insurance Company. For 152 years, Americans have trusted Great American Insurance Company to protect them and render best-in-class service.

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Yes. For your protection, the BikeInsure.com website utilizes secure Information Technology infrastructure services by Amazon Web Services (AWS), the leading provider of online host services. AWS provides the same secure solution to BikeInsure, designed and managed in alignment with best security practices and various Information Technology security standards, as it does to 80% of Fortune 500 companies.

We use Stripe as the secure payment gateway service for electronic credit card payments. Stripe is certified to the highest compliance PCI Service Provider Level 1 standards. PCI Level 1 is the most stringent level of certification available in the payments industry.

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At checkout, we accept all major credit cards such as Visa, Mastercard, American Express, and Discover, and debit cards.

We use Stripe as the secure payment gateway service utilized for electronic payments. Stripe is certified to the highest compliance PCI Service Provider Level 1 standards. This is the most stringent level of certification available in the payments industry.

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BikeInsure sign-up is simple. Click Get BikeInsure for coverage.

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