ARTICLE

Do I Need Mountain Bike Insurance?

The short answer is “yup!”

Whether you have a mountain bike, e-bike, or racing bike, you’re going to need bicycle insurance. We know, we know. You’ve heard it all before. But here’s four recap bullet points to skim anyway because we’re thorough.

  • Renters insurance and homeowners insurance doesn’t cover much, if anything
  • Warranties usually only replace parts that are faulty because of a manufacturing mistake
  • Theft is a very real and very common problem in the cycling community
  • We all have “oops” moments and sometimes bad things just happen

Measures like registering your bicycle online and getting a sturdy-as-heck lock definitely help, and we encourage all cyclists to do these things. They’re necessary but smaller pieces of the cycling security puzzle.

And it’s definitely a puzzle, trust us.

Bicycle insurance lets you cover all of the (alarmingly huge) gaps in between any warranties, security measures, and other insurance policies you may be holding – regardless of whether you mountain bike or beach cruiser.

Mountain Bike Cost Shockingly Doesn’t Really Matter To Thieves

Many cyclists believe that the more expensive your bicycle is, the more likely it is to be stolen. But actually the opposite is true or at the very least, the majority of bikes stolen in the United States are worth less than $500.

If your mountain bike is new or used, or worth more or less than $500, it doesn’t matter to thieves. But it matters to you and it matters to Simple Bike Insurance. This is why we offer full-value coverage and let our customers choose their value limits.

You Travelin’ To Those Switchbacks?

Mountain bikers oftentimes travel to ranges with the best switchbacks and the most breathtaking views. Some of you may drive, some of you may fly, some of you daredevils may even ride.

Renters and homeowners insurance policies are almost certainly not going to cover your mountain bike if it’s lost, damaged, or stolen while you’re in transit and away from home. Good luck getting your spare parts covered, or your riding apparel, or your lock.

Orrrrrr you could simply cover your mountain bike in less than ten minutes with an instant quote from Simple Bike Insurance. We’re just saying.

Liability Insurance (Respect Your Fellow Mountain Bikers)

Many of us have heard horror stories about getting hurt on the trails, taking nasty spills down hills, and even colliding with other mountain bikers.

While the likelihood of filing a claim is low, bad things happen and it’s not just you or your mountain bike you need to worry about. Consider other riders and the general public in and around mountain ranges, state parks, national parks, etc.

If you’re hill bombing and damage another rider’s bicycle, injure a person, or collide with a competing cyclist, you’re very likely at fault and liable.

Bicycle Stuff Is Expensive

Bicycle. Gear. Is. Expensive. Even if it’s not, it can be a pain in the you-know-what to replace, especially if you have to do it all at once. Simple Bike Insurance knows it takes time to find the right shoes, apparel, and locks. We also know all of your cool stuff isn’t covered by other renters and homeowners policies.

But what if we told you we could cover it? And it’s affordable? And it’s easy to make a claim?

Well, we’re here to tell you that your mountain bike and riding gear is indeed easy to cover, it’s actually affordable, and we genuinely believe in no-nonsense claims.

Take a few minutes to get an instant quote on monthly and yearly premiums. It’s free and we never sell your information, ever. If you like the quote you see, take another 30 seconds to get a policy. We offer comprehensive customer support and we like answering your questions.

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