Simplify your decision-making with this e-bike and bicycle insurance comparison.
The bike insurance market, like cycling itself, is competitive — and we embrace that challenge. We've made it easy to compare Sundays Insurance with some of the other leading bicycle insurance providers like Velosurance, Oyster, and Markel, so you can see how our commitment to better service and coverage benefits you.
Most homeowners or renters policies have low coverage limits for sporting equipment, including e-bikes or bicycle. These low limits might mean your bike is only covered for a small portion of its actual value. Furthermore, these policies often have higher deductibles and fail to provide coverage if your bike is stolen or damaged away from home.
Are you fully covered?
Bicycle insurance with Sundays starts as low as $8 per month, but the cost depends on factors like the value of your bike, optional coverage (e.g., worldwide or racing coverage), and the number of bikes insured, as you can benefit from a multi-bike discount.
Here are some estimate examples of pricing for popular bike models:
Lectric XP 3.0 Folding E-Bike ($1,000): Premiums start at $8/month.
Specialized Allez Road Bike ($1,500): Premiums start at $9/month.
Aventon Level.2 E-Bike ($1,800): Premiums start at $10/month.
Ride1Up 700-Series E-Bike ($1,700): Premiums start at $10/month.
Trek FX 3 Disc Hybrid Bike ($2,000): Premiums start at $11/month.
Trek FX+ 2 Lightweight E-Bike ($2,500): Premiums start at $14/month.
Specialized Turbo Vado 4.0 E-Bike ($5,000): Premiums start at 26/month.
Canyon Ultimate CF SLX Road Bike ($6,000): Premiums start at $31/month.
If you insure multiple bikes, you can save even more with our multi-bike discount. Start your quick quote based on your bike's value, or complete the process for a fully personalized quote tailored to your needs.
When choosing the best bicycle insurance company in the US, consider factors like coverage options (theft, accidental damage, racing, and worldwide coverage), deductibles, pricing, claims process, and additional benefits like replacement bike hire or multi-bike discounts.
In the US, some of the top cycle insurance companies include Sundays Insurance, Velosurance, Markel, Bikesure, and Oyster. Sundays Insurance stands out for its cyclist-focused benefits, competitive pricing, and customizable policies tailored to your specific needs.
Comparing these companies based on your riding habits and coverage requirements will help you find the best fit. To see how Sundays Insurance compares to other providers, check out our comparison table.
What factors affect the cost of bicycle insurance?
The cost of bike insurance depends on several key factors, including:
Bike Value: Higher-value bikes, such as premium road bikes or e-bikes, typically cost more to insure due to their replacement cost.
Deductible Amount: Choosing a higher deductible can lower your premium, while a lower deductible increases it.
Optional Coverage: Add-ons like worldwide coverage or racing protection can increase your premium.
Number of Bikes Insured: Insuring multiple bikes can lower your overall cost with a multi-bike discount.
Standalone bike insurance, like the coverage offered by Sundays Insurance, provides specialist protection that homeowners or renters insurance often lacks. Most homeowners policies have low coverage limits for sporting equipment, including bicycles, meaning your bike may only be covered for a fraction of its value.
Additionally, homeowners insurance typically has higher deductibles, may not cover theft or damage away from home, and often increases your premiums after you file a claim.
With standalone bicycle insurance, you get:
Full Value Coverage: Insure your bike for its full value, including custom parts and upgrades.
Accidental Damage Protection: Coverage for crashes, impacts, and other accidents.
Theft Coverage Anywhere: Protection against theft both at home and away.
No Premium Increases After Claims: Unlike many homeowners policies, your premiums won’t increase after you make a claim.
Optional Add-Ons: Racing coverage, worldwide travel protection, and replacement bike hire.
For a detailed comparison, check out our Homeowners vs. Standalone Bike Insurance page to see why standalone bike insurance is the better choice for cyclists.
Yes, Sundays Insurance offers optional worldwide coverage, allowing you to protect your bike for up to 90 days while traveling internationally.
Trust our 15 years of experience in the bicycle insurance industry.
Our comprehensive, customizable, and competitively priced coverage includes easy online quotes, fast claims handling, and expert customer service.
In the United States, Sundays Insurance is underwritten by U.S. Specialty Insurance Company (USSIC) (located at 13403 Northwest Freeway, Houston, Texas, 77040), through Tokio Marine HCC – Specialty Group (a member of the Tokio Marine HCC group of companies). USSIC has been conducting business in the United States for over thirty years. With the highest financial strength rating from A.M.Best, they’re committed to delivering safety, security, and peace of mind to their customers, partners, and society through a financially sound organization.
This program is currently offered only in Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin.
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