We’re so glad you asked! Bicycle insurance is a policy cyclists hold to protect their bicycles, riding gear, and themselves from the common risks of the road (or mountains, or trails, etc.).
While many cyclists opt to cover their rigs under renter’s insurance or homeowner’s insurance, it’s important to know that these policies don’t cover everything. And, more importantly, they don’t cover the risks that are part of the cycling lifestyle like:
- Vehicle collisions
- Bicycle theft from work or anywhere other than the home
- Cycling gear, accessories, and riding apparel
- Racing coverage
- Roadside assistance
Plus, other insurance policies probably don’t cover your bicycle at full-value. They’re also likely to raise your rates in the event you make an insurance claim.
Bicycle insurance in Honolulu gives cyclists the ability to insure themselves as cyclists and have peace of mind during each and every ride — without raising rates if the unexpected happens.