Coverage from $8 per month

Bicycle & E-bike insurance made for cyclists

We cover almost all types of bicycles up to $21,500 whether you use it to race, commute, or exercise.

No credit checks. No obligation.
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Other types of bicycles we cover

Commuter / City bike
Cargo bike
Triathlon bike
Touring bike
BMX
Track bike
Folding bike
Tandem bike

What we cover

Get coverage that's as versatile as your cycling lifestyle.
Theft from and away from home

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.

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Accidental damage

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.

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Custom parts and upgrades

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.

Transporting your bicycle on a bike rack

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.

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Medical payments

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

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Domestic travel with your bicycle

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.

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Malicious damage

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.

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Taxi fare reimbursement

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.

Photograph of Santa Monica Bicycle event

Comprehensive coverage

From local races to worldwide adventures
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Optional worldwide 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.

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Optional racing and event coverage

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.

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Optional lifetime new for old

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.

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Optional accessories and additional wheelsets

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.

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Replacement bicycle hire

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.

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Event entry reimbursement

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.

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No upfront premiums. Cancel anytime without penalties

Frequently asked questions

What types of e-bikes do you cover?

We love pedal power, so we cover all electric ‘pedal assist’ bikes.

For the purposes of this policy, this definition includes electric ‘pedal assist’ bicycles as approved by your applicable state or federal legislation.

We don’t cover bicycles fitted with internal combustion engines or other sources of power assistance. Your e-bike must have started off as an e-bike, and not be a retrofitted regular road bike or mountain bike.

Please note that if you have an e-bike insured with us, you have to make sure that you comply with your state’s laws regarding e-bikes.

Why should I use Sundays Insurance if my bicycle is covered under my homeowners or renters insurance?

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 specialist cycling insurance such as racing coverage, worldwide coverage, and coverage for your accessories and wheelsets.

Will my bicycle still be covered if I use it to race?

Absolutely! You simply need to add optional racing coverage to your bicycle insurance policy to ensure it’s covered during races, triathlons, and sportives.

Can family members ride my bicycle and still be covered?

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.

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