bicycle insurance,
by cyclists, for cyclists
What questions can I ask my homeowners or renters insurance provider?
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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 fail to provide coverage if your bike is stolen or damaged away from home.
Are you fully covered?
The Questions
To figure out exactly how much coverage you have for your bike in your current policy, we've put together a few important questions below that you should 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?
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
SUNDAYS
HOMEOWNERS
& RENTERS
& RENTERS
Theft away from home
Accidental damage
Malicious damage
Domestic in-transit
Bike rack transport
Taxi fare reimbursement
Event entry reimbursement*
Replacement bicycle hire reimbursement*
Medical payments coverage**
Worldwide coverage
Optional
Racing and event coverage
Optional
Lifetime new for old coverage
Optional
Basic plan
$180
Per year (save 20%)
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Business plan
$280
Per year (save 20%)
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Enterprise plan
$480
Per year (save 20%)
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10
25
Unlimited
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10
25
Unlimited
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10
25
Unlimited
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Sundays vs. Other bicycle insurers
$2000
Bike cover
Bike cover
$168/yr
$14/mo
$14/mo
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$32.10/first month $16.54/month thereafter
$2 fee per payment
$5000
Bike cover
Bike cover
$168/yr
$14/mo
$14/mo
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$32.10/first month $16.54/month thereafter
$2 fee per payment
*Dependent on selecting worldwide or racing & event coverage **Not available in New York
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.
SUNDAYS
VELOSURANCE
OYSTER
MARKEL
$2000 Bike cover
$166/year
$15/month
$15/month
$234/year
$35.10/first month $18.08/month thereafter
$2 fee per payment
$35.10/first month $18.08/month thereafter
$2 fee per payment
$196/year
No monthly payment options found
No monthly payment options found
$213/year
$31.95/first month $18.40/month thereafter
$2 fee per payment
$31.95/first month $18.40/month thereafter
$2 fee per payment
$5000 Bike cover
$346/year
$30/month
$30/month
$543/year
$81.45/first month $41.96/month thereafter
$2 fee per payment
$81.45/first month $41.96/month thereafter
$2 fee per payment
$450/year
No monthly payment options found
No monthly payment options found
$543/year
$81.45/first month $43.81/month thereafter
$2 fee per payment
$81.45/first month $43.81/month thereafter
$2 fee per payment
$2000 Bike including racing
$175/year
$15/month
$15/month
$250/year
$37.50/first month $19.32/month thereafter
$2 fee per payment
$37.50/first month $19.32/month thereafter
$2 fee per payment
$253/year
No monthly payment options found
No monthly payment options found
$278/year
$41.70/first month $23.41/month thereafter
$2 fee per payment
$41.70/first month $23.41/month thereafter
$2 fee per payment
$5000 Bike including racing
$367/year
$31/month
$31/month
$583/year
$87.45/first month $45.05/month thereafter
$2 fee per payment
$87.45/first month $45.05/month thereafter
$2 fee per payment
$588/year
No monthly payment options found
No monthly payment options found
$647/year
$97.05/first month $51.82/month thereafter
$2 fee per payment
$97.05/first month $51.82/month thereafter
$2 fee per payment
No upfront premium
No cancellation fees
Subject to min earned premium of $100
Subject to min earned premium of $100
Subject to min earned premium of $100
14 day cooling off period
14-day cooling-off period
If you decide our policy isn’t for you and you haven’t claimed, you can cancel your policy within 14 days of starting it. We will refund your premium in full.
Lowest deductible
$150
$200
$200
$200
Medical expenses included
Up to $1000
Optional
Optional
Optional
Taxi fare reimbursement
Taxi fare reimbursement
If you are involved in an accident or a crash where your bicycle is damaged and it cannot be repaired at the scene, we will reimburse you up to $75 for the cost of transporting you and your bike to the nearest public transportation station, bicycle shop, or your home.
Worldwide accidental coverage
Optional
Per claim deductible for multiple bikes
Per claim deductible for multiple bikes
If you file a claim for multiple bicycles damaged in the same accident, you will only need to pay your deductible once. Often other insurance companies may require you to pay a separate deductible for each bike claimed.
Replacement bicycle hire
Replacement bike hire
If something happens to your bicycle within seven days of you participating in a cycling race, or event or traveling with your bike, we’ll cover the cost of renting a replacement bicycle up to $300 whilst we process your claim so that you can keep rolling.
Up to $300
up to $250
up to $250
Claiming will not affect your renewal premium
Likely
Likely
Likely
Perks provider for Strava
Perks provider for Strava
If you are a paid Strava Subscriber, you can activate your exclusive Sundays Perks, which include coverage for device damage up to $600, reimbursement for taxi fare up to $50, and refund for running race entry fees up to $100.
Basic plan
$180
Per year (save 20%)
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Business plan
$280
Per year (save 20%)
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Enterprise plan
$480
Per year (save 20%)
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Feature Category
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10
25
Unlimited
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Feature Category
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10
25
Unlimited
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Feature Category
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10
25
Unlimited
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Sundays vs. Other bicycle insurers
$2000
Bike cover
Bike cover
$168/yr
$14/mo
$14/mo
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$32.10/first month $16.54/month thereafter
$2 fee per payment
$5000
Bike cover
Bike cover
$168/yr
$14/mo
$14/mo
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$32.10/first month $16.54/month thereafter
$2 fee per payment
Comparison based on CA postcode 94941, Trek Fuel carbon frame MTB. Deductible used for Sundays Insurance $250 and other insurers $300. Data collected February 2023.
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.
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.
Get a quote
(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.
My bike was stolen from my private garage, they cut the lock and forced the entrance. Sunday insurance was amazing with me, they made the claim really fast and the process was super smooth. Thank you so much for everything.
Javiera A
“
As a nomad, I don't have the need for a home or renters policy, so I was thrilled to find bike-specific coverage that is super affordable! It provides great peace of mind while I'm on the road :)...
Joan S
“
Fantastic price. I saved so much money compared to my previous policy with a well-known company (burst my bubble)! Great customer service and very helpful staff. Highly recommended.
Guy R
“
