Specialist insurance for mountain bikes

Exploring Mother Nature puts more demand on almost every part of your bike - so we’ve designed a MTB insurance policy customizable to your lifestyle.

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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.

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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Think homeowners & renters insurance has your mountain bike fully covered? Think again.

Out-of-home coverage

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.

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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

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.

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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

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.

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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

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!

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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

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

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.

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

Absolutely! You simply need to add optional racing coverage to your MTB insurance policy to ensure it’s covered during mountain biking races.

Is my mountain bike covered while travelling?

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.

Can I insure my mountain bike just for the racing season?

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].

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