vs Homeowners

Understanding the Difference: Homeowners and Renters Insurance vs. Specialist Bicycle Insurance

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Most homeowners or renters policies have low coverage limits for sporting equipment, including bicycles. These low limits might mean your bicycle 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?

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Questions for you to ask your insurer.

To determine your bicycle’s coverage in your current policy, we've put together some key questions.

  • Do you cover my bicycle if I ride it and crash it?
  • Do you cover my bicycle for theft away from home?
  • Do you provide coverage for bicycles for their full value, or are there coverage limits on the policy?
  • Do you provide coverage for racing?
  • Do you provide coverage for traveling with my bicycle?
  • Do you increase policy premiums after filing a claim?

Simplify your decision-making with this comparison

SUNDAYS
HOMEOWNERS
& RENTERS
Theft away from home
Accidental damage
Malicious damage
Domestic in-transit
Bike rack transport
Taxi fare reimbursement
Event entry reimbursement*
Replacement bicycle hire reimbursement*
Medical payments coverage**
Worldwide coverage
Optional
Racing and event coverage
Optional
Lifetime new for old coverage
Optional
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Sundays vs. Other bicycle insurers

Sundays Insurance
Spoke
Markel
$2000
Bike cover
$168/yr
$14/mo
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$5000
Bike cover
$168/yr
$14/mo
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
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*Dependent on selecting worldwide or racing & event coverage **Not available in New York

See how Sundays stacks up against the competition

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.

SUNDAYS
VELOSURANCE
OYSTER
MARKEL
$2500 E-bike commuter
$2500
E-bike commuter
$196/year
$17/month
$296/year
$44.40/first month
thereafter $22.87/month
$6 fee per installment
$296/year
No monthly payment options found
$296/year
$44.40/first month,
thereafter $22.79/month
$6 fee per installment
$5000 E-bike commuter
$5000
E-bike commuter
$346/year
$30/month
$563/year
$84.45/first month
thereafter $43.50/month
$6 fee per installment
$563/year
No monthly payment options found
$563/year
$84.45/first month
thereafter $43.50/month
$6 fee per installment
$2500 Road bike including racing
Sundays deductible $350
Competitor fixed deductible $500
$2500
Road bike including racing
Sundays deductible $350
Competitor fixed deductible $500
$198/year
$17/month
$303/year
$45.45/first month
thereafter $23.41/month
$6 fee per installment
$337/year
No monthly payment options found
$337/year
$50.55/first month
thereafter $25.95/month
$6 fee per installment
$5000 Road bike including racing
$5000
Road bike including racing
Sundays deductible $350
Competitor fixed deductible $500
$350/year
$30/month
$580/year
$87.00/first month
thereafter $44.82/month
$6 fee per installment
$644/year
No monthly payment options found
$644/year
$96.60/first month
thereafter $49.59/month
$6 fee per installment
No upfront premium
No upfront premium
No cancellation fees
No cancellation fees
Subject to min earned premium of $100
Subject to min earned premium of $100
Subject to min earned premium of $100
14 day cooling off period
i
14-day cooling-off period
If you decide our policy isn’t for you and you haven’t claimed, you can cancel your policy within 14 days of starting it. We will refund your premium in full.
14-day cooling-off period
i
14-day cooling-off period
If you decide our policy isn’t for you and you haven’t claimed, you can cancel your policy within 14 days of starting it. We will refund your premium in full.
Lowest deductible
Lowest deductible
$150
$200
$200
$200
Lowest deductible including racing
Lowest deductible including racing
$150
$500
$500
$500
Medical expenses included
Medical expenses included
Up to $1000
Optional
Optional
Optional
Taxi fare reimbursement
i
Taxi fare reimbursement
If you are involved in an accident or a crash where your bicycle is damaged and it cannot be repaired at the scene, we will reimburse you up to $75 for the cost of transporting you and your bike to the nearest public transportation station, bicycle shop, or your home.
Taxi fare reimbursement
i
Taxi fare reimbursement
If you are involved in an accident or a crash where your bicycle is damaged and it cannot be repaired at the scene, we will reimburse you up to $75 for the cost of transporting you and your bike to the nearest public transportation station, bicycle shop, or your home.
Worldwide accidental coverage
Worldwide accidental coverage
Optional
Per claim deductible for multiple bikes
i
Per claim deductible for multiple bikes
If you file a claim for multiple bicycles damaged in the same accident, you will only need to pay your deductible once. Often other insurance companies may require you to pay a separate deductible for each bike claimed.
Per claim deductible for multiple bikes
i
Per claim deductible for multiple bikes
If you file a claim for multiple bicycles damaged in the same accident, you will only need to pay your deductible once. Often other insurance companies may require you to pay a separate deductible for each bike claimed.
Replacement bicycle hire
i
Replacement bike hire
If something happens to your bicycle within seven days of you participating in a cycling race, or event or traveling with your bike, we’ll cover the cost of renting a replacement bicycle up to $300 whilst we process your claim so that you can keep rolling.
Replacement bicycle rental
i
Replacement bike hire
If something happens to your bicycle within seven days of you participating in a cycling race, or event or traveling with your bike, we’ll cover the cost of renting a replacement bicycle up to $300 whilst we process your claim so that you can keep rolling.
Up to $300
up to $250
up to $250
up to $250
Claiming will not affect your renewal premium
Claiming will not affect your renewal premium
Likely
Likely
Likely
Perks provider for Strava
i
Perks provider for Strava
If you are a paid Strava Subscriber, you can activate your exclusive Sundays Perks, which include coverage for device damage up to $600, reimbursement for taxi fare up to $50, and refund for running race entry fees up to $100.
Perks provider for Strava
i
Perks provider for Strava
If you are a paid Strava Subscriber, you can activate your exclusive Sundays Perks, which include coverage for device damage up to $600, reimbursement for taxi fare up to $50, and refund for running race entry fees up to $100.
Get a quote
Get a quote

Sundays vs. Other bicycle insurers

Sundays Insurance
Spoke
Markel
$2000
Bike cover
$168/yr
$14/mo
No items found.
/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$5000
Bike cover
$168/yr
$14/mo
No items found.
/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
Get a quote
Comparison done in March 2024, and quotes based on CA zip code 94941, Specialized Haul E-bike (Sundays deductible $250 and other insurers $200), and Specialized Diverge carbon Road Bike (Sundays deductible $350 and other insurers $500). Medical and 14-day cooling-off not available in NY. Minimum cancelation fee of $25 for MI & SD, if canceled after 14 days. All coverage subject to terms and conditions. The Sample Policy Form can be viewed here.

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A close up of a bike parked on some steps

What we cover

Get coverage that's as versatile as your cycling lifestyle.
Icon Home
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.

Icon Accidental bicycle damage
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.

Icon Custom Parts
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.

Icon Hospital
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

Icon Aeroplane
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.

Icon Malicious Damage exclamation mark
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.

Icon car
Ride-share 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
Icon Worldwide or Globe
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.

Icon Route
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.

Icon new for old
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.

Icon Wheel
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.

Icon Bicycle
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.

Icon Event entry users
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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