Sundays Insurance bike insurance review

Sundays' online quote accepts bikes valued from $300 to $21,500, including eligible e-bikes and cargo bikes. The company says it may cover a higher-value bike through a specialized phone quote. Its public examples start at $8 per month, and policies can be paid monthly or annually. Deductible choices are $150, $250, or $350. Theft, accidental damage, malicious damage, domestic transit, and attached or declared upgrades are central parts of the policy.

The small extras are useful. A valid bicycle claim can include up to $1,000 for emergency out-of-pocket medical costs, although that benefit is not available in New York. Sundays also lists up to $75 for transport after a covered incident. Rental-bike reimbursement up to $300 applies in defined race, event, or travel situations when the matching optional coverage is selected. Racing and event cover is optional, as is worldwide protection for trips of up to 90 days.

There is one availability wrinkle worth checking before you compare prices. Sundays' current about page says its bicycle and e-bike insurance is offered in all states, while its separate availability page still says 26 states. Both pages were live when this profile was reviewed. Treat the quote flow and your ZIP code as the final answer rather than assuming the product is available everywhere.

Claims can be filed online at any time. Theft, attempted theft, and malicious-damage claims need a police report, and the company may request receipts, photos, serial numbers, repair estimates, and proof that the lock rules were followed. The U.S. policy is underwritten by U.S. Specialty Insurance Company through Tokio Marine HCC. Sundays has a public ambassador program, but BikeSize has no approved referral URL, so this page uses a direct nofollow link.