Ride with confidence

Comprehensive coverage — Insurance for Bicycles and E-bikes

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What we cover

Get coverage that's as versatile as your riding style
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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What makes bicycle insurance different?

Expertise in Cycling

Specialist insurers, such as Sundays, have a better understanding of the unique risks and needs of cyclists, enabling us to offer tailored expertise and support to the cycling community.

About Sundays

Lower Deductibles

Sundays Bicycle insurance have lower deductibles than homeowners and renters insurance, making it more cost-effective for smaller claims.

How we compare

Full Replacement Value

Homeowners and renters insurance typically impose limits on the coverage for your bicycle. Sundays allows you to insure your bike for up to $21,500, and with our lifetime "new for old" option, we'll replace your bicycle with a brand-new one without depreciation.

Our bicycle insurance

Customized Coverage

You can tailor your bicycle insurance policy to suit your needs, covering accessories, racing equipment, and any additional items associated with cycling. Homeowners and renters insurance might not offer this level of customization.

What we cover

Worldwide Coverage

Homeowners and renters insurance typically provides coverage only within your home and immediate surroundings. With our optional worldwide cover you can extend your coverage for up to 90 days abroad.

What we cover

Dedicated Coverage

Our bicycle insurance is specifically designed to cover the unique risks associated with cycling. It provides focused protection for your bike and related equipment.

More about our coverage

Claim Processing

As fellow cyclists, we understand your situation. Whether you're a casual rider recovering from an injury or a competitive athlete eager to return to racing, we're committed to quickly and effectively handling your claim.

Sundays claims

Theft Protection

Our bicycle insurance offers theft protection for your bike when it's stolen away from your home. This is something which is not always covered by homeowners and renters insurance.

What we cover

No Impact on Home Insurance Premiums

Filing a bicycle insurance claim won't affect your homeowners and renters insurance premiums, protecting your overall insurance costs.

vs Homeowners and renters insurance

Frequently asked questions

What types of e-bikes do you cover?

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.

Read more about e-bike insurance on our Journal

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

Compare bicycle insurance with homeowners & renters insurance

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, as long as they are listed on the policy as additional policyholders.

In partnership with Strava

We teamed up with Strava to provide insurance benefits. If you're a paid Strava subscriber, make the most of your subscription with benefits from Sundays that keep you riding with peace of mind.
Device damage
$600

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.

Taxi fare
$50

We’ll reimburse you up to $50 for taxi fare if you’re left stranded due to a bicycle accident or mechanical failure.

Running race entry fee
$100

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

Female cyclist on a road bike.
in partnership
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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.

Google review 4.6

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