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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.
Think homeowners & renters insurance has your mountain bike fully covered? Think again.
Out-of-home coverage
Homeowners & renters insurance is designed to do what the name says - cover the standard contents of your home, in your home.
While it may provide partial coverage for items taken out of the home, homeowners & renters insurance is unlikely to cover your mountain bike for theft away from home, if you crash while riding or racing, and damage or loss while in transit.
We cover your mountain bike while it’s locked at home, out on the town, for damage while you’re riding or racing, in-transit in the US, and even worldwide if you activate this optional coverage.
Value for money
While homeowners & renters insurance may provide some coverage for your mountain bike, there may be limitations to the value they insure, and they’re unlikely to cover many of the situations unique to cycling.
Our insurance has been custom-designed to give you comprehensive coverage suited to your needs, while maintaining a competitive price. Plus, if you decide this coverage isn’t for you, you can cancel within the 14-day cooling-off period. No questions asked, no penalties.
Unlike most homeowners & renters insurance policies, we also don’t increase your premiums if you claim.
Accessories coverage
As cyclists ourselves, we know that if it's not on Strava, it didn’t happen - so you’ll want to cycle with your cycling trip computer, heart rate monitor, the latest GPS or even a GoPro.
You’re only as fast as you look, so we can cover your cycling kit and your extra MTB accessories that your homeowners & renters insurance might not cover.
Superfast claims handling
As a specialist insurer, we’re not sorting through the many types of claims that may arise for homeowners & renters insurers - we’re dedicated to you and your mountain bike!
Our team consists of ex-bike mechanics, retired pros, and enthusiast cyclists who are ready to get you back on the saddle as fast as possible.
No upfront premiums. Cancel anytime without penalties
Frequently asked questions
While your homeowners & renters insurance may provide some coverage for your MTB, 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.
Absolutely! You simply need to add optional racing coverage to your MTB insurance policy to ensure it’s covered during mountain biking races.
Yes. With Sundays Insurance, domestic coverage is a standard part of your mountain bike insurance policy. We can cover your bicycle for loss or damage in transit anywhere in the US.
If you want to pack up your mountain bike and head off to sweet new trails, we give you the choice to add optional worldwide coverage on your policy so you can globe trot with peace of mind for up to 90 days.
If you already have your travel plans sorted when you go through the process of purchasing Sundays Insurance online, then you can add worldwide coverage during the process. But if your plans come together at a later date, get in touch with our friendly team of consultants when your plans are finalized and they’ll get you covered.
Our insurance plans typically run for one year, and you have the choice of paying either monthly or annually. You can add racing coverage and then remove it again, when the season is over.
Get a quote to add racing coverage by calling us on (805) 448-6558, or email us at [email protected].
More FAQ
Why choose Sundays
Since 2008, we’ve been working tirelessly to get more people riding, and keep them riding.
Our products aren’t designed by nameless faces in suits - they’re designed by cyclists that have a deep understanding of the cycling world and the risks cyclists face.
About us
From the moment you inquire about our offerings to the time you need to make a claim, we ensure that you're fully informed and comfortable with each step of the process.
We are committed to clear communication, straightforward pricing, and honest practices.
Our Claims
We take the responsibility of covering your most prized possession seriously.
Our team honours the trust our customers place in us and we consistently work to exceed expectations, from quoting to claiming and everything in between.
About us
