bicycle insurance,
by cyclists, for cyclists
What questions can I ask my homeowners or renters insurance provider?
Many cyclists mistakenly believe that their homeowners or renters insurance offers adequate coverage for their bicycles, only to discover the shortfall when they find themselves in need of filing a claim.
The Problem
Most homeowners or renters policies have low coverage limits for sporting equipment, including bicycles. These low limits might mean your bicycle is only covered for a small portion of its actual value. Furthermore, these policies often have higher deductibles and fail to provide coverage if your bike is stolen or damaged away from home.
Are you fully covered?
The Questions
To determine your bicycle’s coverage in your current policy, we've put together some key questions for you to ask your insurer.
- Do you cover my bicycle if I ride it and crash it?
- Do you cover my bicycle for theft away from home?
- Do you provide coverage for bicycles for their full value, or are there coverage limits on the policy?
- Do you provide coverage for racing?
- Do you provide coverage for traveling with my bicycle?
- Do you increase policy premiums after filing a claim?
The Solution
Specialist Bicycle Insurance
By contrast, specialist bicycle insurance provides comprehensive coverage that protects you and your bicycle in various scenarios. These policies cover your bicycle for its full value, insure against accidental and malicious damage, and even offer coverage for racing and traveling.
Simplify your decision-making with this comparison
& RENTERS
Sundays vs. Other bicycle insurers
Bike cover
$14/mo
$32.10/first month $16.54/month thereafter
$2 fee per payment
$32.10/first month $16.54/month thereafter
$2 fee per payment
$32.10/first month $16.54/month thereafter
$2 fee per payment
Bike cover
$14/mo
$32.10/first month $16.54/month thereafter
$2 fee per payment
$32.10/first month $16.54/month thereafter
$2 fee per payment
$32.10/first month $16.54/month thereafter
$2 fee per payment
What we cover
Sometimes life throws a spanner in the works — that's what bicycle insurance is for. 1
Accidental damage
Theft from and away from home
Custom parts and upgrades
Domestic travel with your bicycle
Transporting your bicycle on a bike rack
Malicious damage
Replacement bicycle hire reimbursement
Taxi fare reimbursement
Event entry reimbursement
Optional lifetime new for old
Optional racing and event coverage
Optional worldwide coverage
Optional accessories & additional wheelsets
See how Sundays stacks up against the competition
The bicycle insurance market, much like cycling itself, can be fiercely competitive. Some may shy away from it, we embrace it wholeheartedly. It pushes us to strive harder and improve our offerings, delivering the best possible product and service to you. It's a win-win situation for everyone involved.
$15/month
$35.10/first month $18.08/month thereafter
$2 fee per payment
No monthly payment options found
$31.95/first month $18.40/month thereafter
$2 fee per payment
$30/month
$81.45/first month $41.96/month thereafter
$2 fee per payment
No monthly payment options found
$81.45/first month $43.81/month thereafter
$2 fee per payment
$15/month
$37.50/first month $19.32/month thereafter
$2 fee per payment
No monthly payment options found
$41.70/first month $23.41/month thereafter
$2 fee per payment
$29/month
$81.45/first month $41.96/month thereafter
$2 fee per payment
No monthly payment options found
$81.45/first month $43.81/month thereafter
$2 fee per payment
Sundays vs. Other bicycle insurers
Bike cover
$14/mo
$32.10/first month $16.54/month thereafter
$2 fee per payment
$32.10/first month $16.54/month thereafter
$2 fee per payment
$32.10/first month $16.54/month thereafter
$2 fee per payment
Bike cover
$14/mo
$32.10/first month $16.54/month thereafter
$2 fee per payment
$32.10/first month $16.54/month thereafter
$2 fee per payment
$32.10/first month $16.54/month thereafter
$2 fee per payment
Coverage is subject to the terms and conditions of the policy, the state in which you reside, and your specific coverage selection.
Medical and 14-day cooling-off not available in New York. Minimum cancelation fee of $25 for Michigan, if canceled after 14 days.
The Sample Policy Form can be viewed here.
Don't wait until it's too late to discover your bicycle isn't adequately insured.
(805) 448-6558
or visit our FAQs
Trust our 15 years of experience in the bicycle insurance industry.
Our comprehensive, customizable, and competitively priced coverage includes easy online quotes, fast claims handling, and expert customer service.
What we cover
Getting your bike stolen is just about the worst thing that can happen, but don’t worry - we cover theft from and away from your home.
Whether it's a high speed crash or a coffee stop tumble, we’ll get you back on your bike either by repairing your bicycle or replacing the damaged parts.
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.
If you regularly transport your bicycle on your roof, chances are that someday you'll forget it's up there while driving into your garage. We've done it ourselves. Don’t worry, we cover your bicycle when you transport it on your car.
If you have an accident and have a valid claim on your bicycle, we’ll pay up to $1,000 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.
Not available in New York
Traveling with your bicycle on an airline, ship, train, or truck? No stress. We can cover your bicycle for loss or damage in transit anywhere in the US.
If your bicycle gets damaged either by a thief trying to steal it or a vandal, we’ll cover the costs to repair it to its previous condition.
If you’ve had an accident and are unable to ride your bike home, we’ll reimburse you up to $75 of your transportation cost to get you to the nearest public transport station, bicycle repair shop or your home - whichever is nearer.
Comprehensive coverage
Traveling outside of the US with your bicycle? Add our optional worldwide coverage for up to 90 days while abroad. Enjoy stress-free travel and riding with your bicycle while on your trip.
Select racing & event coverage to insure your bicycle if the damage is caused by a specific incident, crash, impact, or road hazard while taking part in a race or event.
If you cover your bicycle within 60 days of purchasing it new, select lifetime new for old and we’ll replace your bicycle, item or part with a new item of the same make and model (or the nearest equivalent) with no depreciation applied.
Cover your accessories (such as your cycling helmet, GPS, or bicycle lights) and extra racing wheels. You can also insure the kit you’re wearing while you ride.
If you’ve selected worldwide or racing & event coverage, we’ll reimburse you up to $300 to rent a bicycle if a covered loss occurs seven days or less before you participate in a cycling race or event, if we can’t for some unlikely reason get your bicycle sorted in time.
If you’ve selected our racing & event coverage, we’ll reimburse your event entry fee up to $500 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.
