Why bicycle insurance?
Because it can be separate from your homeowners policy.

E-Bike, mountain bike, and road bike and other bicycles are essential for riders across California, where the picturesque landscapes and bustling cities offer countless opportunities for cycling adventures.

What if something were to happen to your bicycle, if you are like many Californians you would ideally like two things to happen: To have your bicycle be covered by insurance, and for the claim to have minimal impact on your homeowners policy. We may have a good solution for both of those concerns for you. Stand alone bicycle insurance. Once in-force, If you need to make a claim, that claim should go on your bicycle insurance, not your homeowners policy. It's important to understand that bicycle insurance covers a range of situations to help keep your prized possession safe. Whether you're at home, exploring the town, racing, riding, or during transit, having reliable coverage can make all the difference. We help place bicycle insurance designed to address these challenges and provide you with coverage that may suits your needs, including (availability, terms, and coverages may vary):

adventure

California's terrain offers cycling enthusiasts a wide array of experiences. Whether you're hitting the trails, racing through the streets, or simply enjoying a leisurely ride along the coast, accidents can happen. The right bicycle insurance may help cover damages that may occur during your cycling adventures.

• Accidental damage — Whether it's a crash, or a coffee stop tumble, we may be able to help you get back on your bike either by repairing your bicycle or replacing the damaged parts.

• Theft, from and away from home — Getting your bike stolen is a major inconvenience, we may be able to help you cover theft from, and away from your home.

• Malicious damage —If you lock your bike up and return to find it has been damaged, either by a vandal or by a thief trying to steal it, we may be able to help you cover the costs to repair it to its previous condition.

• Medical payment — If you have an accident resulting from a valid claim on your bicycle, we may be able to help you contribute, up to policy limits for out-of-pocket emergency medical expenses, like ambulance costs, x-rays or getting stitched up after a crash. This does not apply to non-emergency costs like physiotherapy.

in transit

Domestically transporting your bicycle from one location to another can be a challenge, especially if you're traveling within California or beyond. Damage can occur during transit, and our insurance policy ensures that you're covered in such situations. Whether you're taking your bike on a road trip, to a trailhead, or on public transportation. Coverages typically include theft from and away from your home. See our optional coverage section for additional details and options.

• Transporting your bicycle on a bike rack — If you regularly transport your bike on your roof, someday you may forget your bike is there while driving into your garage. We may be able to help you cover your bicycle when you transport it on your car.

• Taxi fare reimbursement — If you've had an accident and are unable to ride your bike home, we may be able to help reimburse up to your policy limits of your transportation cost to get you to the nearest public transport station, bicycle repair shop or your home - whichever is nearer.

• Domestic travel with your bicycle — Entrusting transport of your bicycle to an airline, ship, train, or truck while you're travelling? We may be able to help you cover your bicycle for loss or damage in transit anywhere in the US.

custom bicycle

California is home to avid cyclists who invest in custom-built bicycles. These unique machines can be quite expensive. We may be able to offer customizable bicycle insurance.

• Custom parts and upgrades — We love upgrades and gadgets as much as you do. Insure custom parts fitted to your bicycle, such as upgraded carbon handlebars or a dropper seatpost.

riding and racing

For those who participate in cycling events or races, the risk of accidents and damage is heightened. Our coverage doesn't stop when you hit the road or track. Whether you're leisurely riding through scenic routes or competing in high-intensity races, we may have the coverage for you. Accidental damage during these activities may be included in our insurance package.

• Event entry reimbursement — If you've selected racing & event coverage, coverage may be able to help reimburse your event entry fee up to your policy limits for any cycling race or event that you've entered but cannot compete in due to injuries you sustained in a covered loss to your bicycle.

• Replacement bicycle hire reimbursement— If you've selected worldwide or racing & event coverage, coverage may be available up to your policy limits to hire a bicycle if a covered loss occurs seven days or less before you participate in a cycling race or event, if your own bike is unavailable in time.

... and more

Above summary is intended as an overview only. Please read all applicable forms for complete terms, including definitions, conditions and exclusions.

Please visit the below link to begin the process of starting your quote today.
Our service area is the state of California.