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Simple Bike Insurance Policies

What You Get With Every Basic Policy

  • Bike repair or replacement at full-value in case of damage, theft, crash, vandalism, or collision with other cyclists
  • Racing protection
  • Spare parts, accessories, and apparel up to $500 per claim and $1,000 per policy term
  • Transit protection to and from locations within the United States and Canada

We Now Offer Electric Bikes (E-Bike) Insurance Policies

E-bike motors must be 750 watts or under and cannot use an auxiliary power source.

  • Pedal assist e-bike with top assisted speed of 20 mph
  • Throttle assist e-bike with top assisted speed of 20 mph
  • Pedal assist e-bike with top assisted speed of 28 mph

Simple Bike Insurance Wants You To Save!

  • Members of select bicycle associations save 10% on policy premiums and additional coverage add-ons
  • Policies are customized to your riding style so you’re never underinsured or over-insured

Build Your Own Bike Insurance Policy

We offer flexible deductibles, we let you decide the value limit of your bike, and you can easily add additional coverage (below) to customize your policy.

  • Bicycle liability up to $25,000
  • Medical payments up to $1,000
  • Vehicle contact protection up to $10,000
  • Worldwide physical damage
  • Roadside assistance

Competitive Cyclists Receive Extra No-Cost Coverage For:

  • Rental reimbursements up to $250 per claim for damaged or stolen bikes away from home and participating in an organized riding event
  • Competitive racing fee reimbursement
  • Nonrefundable riding event fees reimbursement up to $500 per claim and $1,000 per policy term if your bike is involved in a covered incident and you can no longer compete/participate

See how much you can save on bike insurance:

HOW WE COMPARE

How Simple Bike Insurance Compares To Renters And Homeowners Insurance

Home or Renters
Insurance
Simple Bike Insurance
Insured At Full Value
Not Likely
Yes
Crash or Collision Damage
No
Yes
Cycling Accessories, Apparel, & Gear
Not Likely
Yes
Electric Bike Coverage
Limited
Yes
Event Fee Reimbursement
No
Yes
Racing Coverage
No
Yes
Replacement Bike Rental
No
Yes
Roadside Assistance
Not Likely
Yes
Spare Parts Insured
Not Likely
Yes
Theft Away From Home
Limited
Yes
Theft From Home
Limited
Yes
Transit & Travel Damage
Not Likely
Yes
Vehicle Contact
No
Yes

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