Ride with confidence
Comprehensive coverage — Insurance for Bicycles and E-bikes
250+ community store partners
What makes bicycle insurance different?
By cyclists, for cyclists
Beyond coverage, Sundays brings 15 years of cycling community know-how to offer you exceptional value. We connect you with local bike shops and celebrate meaningful cycling experiences.
Call us and lets talk bikes.
What we cover
Getting your bike stolen is just about the worst thing that can happen, but don’t worry - we cover theft from and away from your home.
Whether it's a high speed crash or a coffee stop tumble, we’ll get you back on your bike either by repairing your bicycle or replacing the damaged parts.
We love upgrades and gadgets as much as you do. Insure custom parts fitted to your bicycle, such as upgraded carbon handlebars or a dropper seatpost.
If you regularly transport your bicycle on your roof, chances are that someday you'll forget it's up there while driving into your garage. We've done it ourselves. Don’t worry, we cover your bicycle when you transport it on your car.
If you have an accident and have a valid claim on your bicycle, we’ll pay up to $1,000 for out-of-pocket emergency medical expenses, like ambulance costs, x-rays or getting stitched up after a crash. This does not apply to non-emergency costs like physiotherapy.
Not available in New York
Traveling with your bicycle on an airline, ship, train, or truck? No stress. We can cover your bicycle for loss or damage in transit anywhere in the US.
If your bicycle gets damaged either by a thief trying to steal it or a vandal, we’ll cover the costs to repair it to its previous condition.
If you’ve had an accident and are unable to ride your bike home, we’ll reimburse you up to $75 of your transportation cost to get you to the nearest public transport station, bicycle repair shop or your home - whichever is nearer.
Comprehensive coverage
Traveling outside of the US with your bicycle? Add our optional worldwide coverage for up to 90 days while abroad. Enjoy stress-free travel and riding with your bicycle while on your trip.
Select racing & event coverage to insure your bicycle if the damage is caused by a specific incident, crash, impact, or road hazard while taking part in a race or event.
If you cover your bicycle within 60 days of purchasing it new, select lifetime new for old and we’ll replace your bicycle, item or part with a new item of the same make and model (or the nearest equivalent) with no depreciation applied.
Cover your accessories (such as your cycling helmet, GPS, or bicycle lights) and extra racing wheels. You can also insure the kit you’re wearing while you ride.
If you’ve selected worldwide or racing & event coverage, we’ll reimburse you up to $300 to rent a bicycle if a covered loss occurs seven days or less before you participate in a cycling race or event, if we can’t for some unlikely reason get your bicycle sorted in time.
If you’ve selected our racing & event coverage, we’ll reimburse your event entry fee up to $500 for any cycling race or event that you’ve entered but cannot compete in due to injuries you sustained in a covered loss to your bicycle.
In partnership with Strava
If your Strava-compatible fitness device is damaged as a result of an accident while tracking your cycling activity on Strava, we’ll give you up to $600 to repair or replace it, provided that, at the time of the claim, the device is not more than 24 months old from its original purchase date.
We’ll reimburse you up to $50 for taxi fare if you’re left stranded due to a bicycle accident or mechanical failure.
Missing a running race due to an illness or injury is frustrating, but at least now your entry fee won’t go to waste. We’ll pay up to $100 to cover these costs.
Strava Perks
Coverage for your ride
Cover your road bike on your commute, while you race, or even at your local coffee spot.
Road bike insurance
Shred the trails with confidence with comprehensive MTB insurance.
Mountain bike insurance
We’re big fans of e-bikes, and have designed our coverage with features that cater to them.
E-bike insurance
Adventure with complete confidence that your gravel grinding machine is covered.
Gravel bike insurance
Frequently asked questions
Yes, we love electric pedal power!
For the purposes of this policy, the definition of e-bikes includes electric pedal-assist bicycles as approved by your applicable state or federal legislation.
Class 1: Equipped with a motor that helps you move only while pedaling. Once you reach 20 miles per hour, you're on your own and all electric assistance stops.
Class 2: Equipped with a motor that if you engage the throttle, you will get moving without having to pedal yourself. But, once you reach 20 miles per hour, it is up to you to keep the electric bicycle moving without assistance.
Class 3: Equipped with a motor that helps you move only while pedaling. Once you reach a speed of 28 miles per hour, you're on your own and all electric assistance stops. This bicycle is also equipped with a speedometer.
For all of the above the maximum power output is 750 watts. Manufacturers and distributors of electric bicycles are required to apply a class identification label to each electric bicycle which comes in handy.
We don’t cover bicycles fitted with internal combustion engines or other sources of power assistance. Furthermore, we don't offer coverage for self-made or homemade e-bikes. While it's cool, we cannot insure a retrofitted regular road bike or mountain bike.
Please note that you have to make sure that you comply with your state’s laws regarding electric bicycles.
While your homeowners & renters insurance may provide some coverage for your bicycle, there might be limitations to the value and it’s unlikely to comprehensively cover many of the situations unique to cycling.
Sundays Insurance ensures you can handpick the coverage that’s right for you, and enjoy benefits unique to the sport and related situations you may find yourself in.
You can also enjoy optional benefits unique to comprehensive cycling insurance such as racing coverage, worldwide coverage, and coverage for your accessories and wheelsets.
Absolutely! You simply need to add optional racing coverage to your bicycle insurance policy to ensure it’s covered during races, triathlons, and sportives.
Yes, our bicycle insurance coverage includes your spouse, any children over 18 years old, or a partner you’ve lived with for two years or more, as long as they are listed on the policy as additional policyholders.
'Is my bike covered by Homeowners or Renters Insurance?'
Your homeowners or renters insurance may not offer complete coverage for your bicycle. It's important to check your policy details before you need to make a claim. Consider Sundays bicycle insurance for peace of mind.
Comprehensive bicycle vs Homeowners and Renters Insurance
Happy customers
Sundays Journal
Your go-to source for cycling tips, insurance insights, and stories that inspire you to keep pedaling.
