Coverage

What our policy covers

One policy, two parts: NJ-mandated liability + your bike’s replacement value. Pick a deductible and you’re done.

Diagram placeholder — coverage stack: liability + property − deductible.

Liability — required by NJ as of July 2026

Every policy includes the statutory minimums under NJ S4834: $35,000 per occurrence for personal use, or $70,000 for commercial use (delivery, courier, paid tour, instruction). This is the part the new law actually requires — everything else is optional.

Property — your bike, replaced

We cover theft, vandalism, and crash damage up to your declared bike value, capped at $25,000. Replacement is at agreed value at quote time, not depreciated book value. Lock requirements and serial-number registration apply for theft claims — see the FAQ.

Deductible — your choice

  • $500 — full premium, lowest out-of-pocket on a claim.
  • $1,000 — about 8% off premium, balanced.
  • $2,500 — about 20% off premium, for the self-insured rider.

What we don’t cover (yet)

  • Race entry fees and event-day medical gap (placeholder — coming Q3)
  • Worldwide travel coverage (placeholder — coming when we expand outside NJ)
  • Stationary trainer / e-bike battery fire (under review with our actuary)