Everything we know about protecting bikes, written down.
Bikes became five-figure property, e-bikes made riders liable, and homeowners policies never caught up — that gap is why bicycle insurance exists. No jargon, no scare tactics, and honest notes about when you don’t need insurance at all. If you leave knowing more than you arrived with, this page did its job.
Insurance Basics
Why bike insurance exists, what your current policies actually cover, and how claims work.
Why does bicycle insurance exist at all?
Bikes got expensive, riders got liable, and homeowners policies never caught up. The honest case for — and against — a standalone bike policy.
What does homeowners insurance actually cover for your bike?
Your bike is 'covered' by homeowners insurance the way a paper umbrella covers rain. Sub-limits, depreciation, and deductible math, worked through with real numbers.
How a bike insurance claim works
Email-first, photo-driven, no phone tree — the insuremy.bike claims process step by step, plus how to document any loss so any insurer pays faster.
Coverage Deep Dives
Carbon frames, race day, and the fine print that decides whether a claim pays.
Insuring a carbon bike: agreed value, crash replacement, and the gaps between
Carbon frames fail differently — invisible damage, non-repairable cracks, five-figure replacement costs. What to look for in any policy before you need it.
Race and event coverage: what's protected when you pin on a number
Competition voids most bike coverage the moment the whistle blows. What event organizers' insurance actually covers, and what you're carrying yourself.
Travel & Transport
Flying with your bike, riding abroad, and what happens when an airline cracks your frame.
Taking your bike abroad: insurance that survives the border
Territory clauses, travel-insurance fine print, and what actually protects your bike on a cycling trip to Mallorca, Girona, or anywhere else.
The airline damaged your bike. Now what?
The Montreal Convention caps airline liability near $1,900 regardless of your bike's value — and the claim windows are brutally short. The exact playbook, hour by hour.
Theft & Security
Locks, registration, GPS trackers — keeping the bike before you ever need a claim.
Theft prevention that actually works (ranked by evidence, not vibes)
Locks by security rating, the two-lock rule, registration, and why where you park matters more than what you spend. Written to keep you from ever needing a claim.
AirTags vs. dedicated GPS trackers: what recovers a stolen bike
Bluetooth tags, true GPS units, hiding spots that survive a strip-down, and the one rule when the dot starts moving: you are not the recovery team.
Commercial Riding
Delivery, couriers, paid tours, and fleets — where personal policies stop.
Laws & Regulations
E-bike classes, state rules, and the NJ mandate that started this project.
The NJ bicycle insurance mandate (S4834), explained
From July 1, 2026, New Jersey requires $35,000 of liability coverage for cyclists and e-bike riders — $70,000 for commercial use. Who it applies to, what complies, and what's still unsettled.
E-bike classes, rules, and insurance: what Class 1/2/3 actually changes
The three-class system decides where you can ride, whether you need insurance, and whether your homeowners policy covers you at all. A plain-English map.
Decided you need more than a good lock?
Four questions, three deductibles, one instant quote from our open actuarial model — built to meet NJ’s July 2026 mandate by default.