How a claim works

Email-first, photo-driven, no phone tree. We’re aiming for first response inside 24 hours and an initial decision inside five business days.

1. 1

   Tell us what happened

   Email claims@insuremy.bike with your policy number, the date, and a one-paragraph description. Attach photos of the bike, the scene, and any third-party documentation (police report, hospital triage sheet, witness contact).

2. 2

   We acknowledge within 24 hours

   A real human (one of us) replies, opens a claim file, and lists exactly what additional documentation we need. No call center.

3. 3

   Triage and decision

   Property claims under $2,000 are typically settled inside five business days from documentation. Liability claims involving a third party route through our broker partner — we will introduce them by name.

4. 4

   Payout

   Property settlements pay via ACH to the named insured within two business days of decision. Replacement-shop direct-pay is available on request for partner shops listed on the FAQ.

Pre-launch placeholder text. Final claims handling will be handled by our NJ broker partner; this page will be updated when that contract is signed.