Like Laka, Sundays offers two different policies, bicycle and bicycle, so you can choose between insuring just your bike or your body, or opting for both with a 10 percent discount. Bicycle insurance covers you for accidental damage, crash damage, intentional damage, theft, domestic transportation and bicycle rental. There is even specific coverage for damage caused to a bicycle while on a roof rack. Sundays has a three-year limit on its new and old offer, and you can add extras such as global travel insurance, competition coverage and additional coverage for wheelsets.
Cycleplan is a subsidiary of Ripe Insurance (providers of specialized insurance coverage) that offers coverage against accidental damage, vandalism and theft, whether at home or away. They also offer an additional policy for travel around the world and Europe, including competitive coverage. Other benefits include liability insurance, personal accident coverage, including medical expenses, physical therapy or loss of income, and rental of replacement bicycles. It's also covered by legal fees, in case you need to file a claim.
Cycleplan currently has an initial discount of 25 percent and also offers a free downloadable cycling training guide. While technically this isn't an insurance policy recommendation, being a member of British Cycling comes with the added benefit of liability insurance of up to £20 million, as well as legal support and assistance if you need to file a claim. If you opt for Race Gold membership, you'll also be entitled to personal accident insurance. Travel insurance isn't included with British Cycling membership, but as a member, you'll also get discounted access to Bikmo insurance (mentioned above), as well as priority access to tickets and a racing license, and a host of discounts on Evans, Halfords, Science In Sport, Chain Reaction Cycles, TrainingPeaks, Muc-Off and more.
Progressive policies include accident forgiveness, the choice of replacement parts, free accessory coverage, and deductibles that decrease the longer you remain a claims-free customer. Harley-Davidson specializes in motorcycle insurance and related products, including parts, bicycle loans and planned maintenance insurance. New drivers can combine these products and services with the company's motorcycle safety course discount to save more. The range of motorcycle types that the company covers and the discounts offered are among the best on our list, only rivaling Progressive.
However, USAA sells Progressive motorcycle insurance, so we recommend potential customers to read our Progressive review for details on coverage, but to request a quote in USAA, as discounts can. Farmers offers three pre-packaged but customizable plans: the Saver, the Plus and the Elite. Each plan has a different level of coverage and options are available for custom, vintage, and low-speed vehicles, such as golf carts. You can also purchase any of these plans through Farmer's subsidiary, Foremost, which does a better job of presenting coverage details on their site.
Velosurance was created by two cyclists to offer insurance to their fellow cyclists across the country. Velosurance offers a multi-risk policy so that your bikes are covered in the event of accidental damage or theft. You can also get additional coverage, such as liability protection, roadside assistance, and medical gag coverage. Everyone who works at Velosurance is a cyclist, so they understand your needs.
Getting a quote from Simple Bike Insurance didn't turn out to be that easy, since you need to find the serial number of your bike to get a quote. He also wants to know the brand of your bicycle, what material it is made of (aluminum, carbon, titanium) and in what year was it manufactured. Velosurance is the best e-bike insurance provider overall because of its comprehensive coverage, strong policy options, and unique features that you won't find at many other e-bike insurance companies. We chose Velosurance as the best electric bike insurance company overall because its coverage is virtually unparalleled.
A standard policy includes coverage for theft, accident and accident damage, traffic damage, roadside assistance, medical payments, and more. Your bike is covered anywhere in the world and the company can increase its coverage limit during your trips for a small fee. Some of Velosurance's niche features that stand out include replacement bike rental coverage, airline bike shipping coverage, and racing coverage. Velosurance also has a nationwide network of bicycle stores, making it easy to find repair experts in your area if you need to repair your e-bike after a covered claim.
Velosurance also offers insurance discounts to members of USA Cycling, USA Triathlon and the International Mountain Bike Association (IMBA). Because Velosurance only sells bicycle insurance, there is no opportunity to combine more than one policy. Spoke insurance covers any electric bicycle with a maximum speed of 45 km/h or less. And as long as your electric bike has less than 750 watts, you're eligible for coverage.
Unfortunately, Spoke Insurance isn't available in every state and doesn't offer free worldwide coverage. If you're traveling abroad with your e-bike, the company can help you obtain a worldwide policy of protection against physical harm for your trip. Spoke Insurance doesn't subscribe to its own policies, the company sells coverage through Markel. And one of the main drawbacks of Spoke Insurance is that you must have a home or renters insurance policy through Markel in order to purchase an e-bike policy.
Overall, we recommend Velosurance to any e-bike owner looking for coverage. Velosurance has generous coverage limits, unique policies with worldwide coverage and discounts for member groups. In addition, their policies are backed by Markel Insurance, which has more than 70 years of industry experience. Like most e-bike insurance providers, there are no options for bundling your policies because Sundays Insurance only sells coverage for bicycles.
The Bicy insurance policy covers cyclists in the event of accidental damage, theft and personal injury, in addition to including liability insurance of up to 1 million pounds sterling and mechanical breakdown coverage. E-bike owners who have multiple bikes they want to insure should consider a Simple Bike Insurance policy. Specialized bicycle insurance policies, on the other hand, offer several benefits that you won't get with home insurance. If you're new to the world of bicycle insurance, it can be overwhelming because of the large number of insurers and policies on offer, which is why we've put together the best bicycle insurance policies available today.
Motorcycle insurance works similarly to car insurance, as it serves as a form of financial protection against liability claims in the event of a fault-based accident. In addition to their own damages and the liabilities of third parties, the insured also has the advantage of no depreciation in the same policy, where the insured does not need to pay the depreciation value of damaged or replaced parts. Although some insurance companies classify electric bicycles as motor vehicles, you don't need insurance for an electric bicycle like you would with a car. If you use your dirt bike to drive on public roads, you may need to insure your bicycle if the state in which you live requires insurance for all road vehicles (such as Arizona).
And if you're looking for a quick quote, we've partnered with QuoteZone to create a handy bike insurance comparison tool for UK readers that allows you to compare more than 30 quotes from specialist cycling insurance providers. . .
