Plan for theft first
A policy does not replace the police report, serial number, receipts, and lock evidence a theft claim may need.
Open the stolen-bike checklistBike insurance without pretending every policy is the same
A stolen commuter, a cracked race frame, and an e-bike damaged on a car rack are different claims. The cheapest quote can be a poor deal if the policy leaves out the way you actually ride.
These reviews compare the parts that change the outcome: deductibles, theft rules, transit, racing, medical or liability options, bike-value limits, and the documents needed for a claim. Prices are provider-published examples, not estimates generated by BikeSize.
Start with the three profiles below, then get a current quote from any provider that fits. BikeSize has no approved insurance affiliate URL in this release, so every quote button goes directly to the provider with a nofollow link.
Our top picks by use case
There is no universal winner. These labels point to the clearest reason to open each full review.
Simple equipment cover
BikeInsure
Published examples run $252-$312 a year, with a $150 deductible, optional theft, transit damage and race coverage for bikes and e-bikes. Read our honest review.
Low published starting price
Sundays Insurance
Published prices start at $96 a year with $150-$350 deductibles, theft, transit, e-bike, and optional race coverage in the US. Read our honest review.
Most configurable
Velosurance
Coverage starts at $100 a year with $200-$500 deductibles, theft, transit, racing, plus optional liability and medical coverage. Read our honest review.
All reviewed providers
Each profile includes a 13-point coverage matrix, exclusions, claim steps, source links, and the last review date.
BikeInsure
Published examples run $252-$312 a year, with a $150 deductible, optional theft, transit damage and race coverage for bikes and e-bikes. Read our honest review.
Sundays Insurance
Published prices start at $96 a year with $150-$350 deductibles, theft, transit, e-bike, and optional race coverage in the US. Read our honest review.
Velosurance
Coverage starts at $100 a year with $200-$500 deductibles, theft, transit, racing, plus optional liability and medical coverage. Read our honest review.
Insuring an e-bike?
Confirm the class, assisted speed, motor configuration, and whether a conversion kit changes eligibility.
E-bike rider sizing guideRacing changes the policy
Do not assume a normal training policy follows the bike onto a start line or an international trip.
Racer sizing guideBike Insurance guides and comparisons
Use the guide for the big decision, then open a head-to-head comparison when you are choosing between two providers.
- Bike insurance guide: coverage, costs, exclusions, and when it is worth itA plain-English guide to dedicated bike insurance: what it can cover, what homeowners policies may miss, and when a separate policy is worth quoting.
- BikeInsure vs Sundays: Simple US Cover or Online-First Bike InsuranceBikeInsure and Sundays are both online-friendly bike insurance options, but their positioning is different. BikeInsure leads with simple equipment coverage and public monthly examp
- BikeInsure vs Velosurance: Simple Equipment Cover or Configurable Bike PolicyBikeInsure and Velosurance both focus on bicycles, but they fit different buyers. BikeInsure is the simpler equipment-focused option with public monthly examples. Velosurance is mo
- Velosurance vs Sundays: Configurable Coverage or Online-First SimplicityVelosurance and Sundays are bike-specific insurance options with different strengths. Velosurance is the more established configurable choice, especially for riders comparing many
Service questions
Last reviewed 2026-07-13. Heads up: we are cyclists, not the service provider. This is general guidance based on public information; always confirm current terms with the provider. Any provider or source links on this page are direct, non-affiliate links. BikeSize does not earn a commission if you use them.