Disclosure

We are not the insurer

insuremy.bike is a comparison and education service, not an insurance company. Any coverage you buy is issued by the respective insurer and its underwriter (for example, several bicycle policies are underwritten by Markel American Insurance Company). Their financial strength, terms, and claims handling are their own.

How the estimates are made

Comparison prices are computed from public data, recovered rate models, and published price points, pinned to a common reference profile so the columns are comparable. We publish a price only for insurers whose rates we have checked against live quotes; the rest appear with a reason and no figure. Your actual price depends on your bike, ZIP, coverage, deductible, and the insurer’s own underwriting — it may be higher or lower than shown.

How we may be paid

We currently earn nothing from these comparisons — no commission, no referral fee, no paid placement. If that ever changes we will say so here before it takes effect, and it will not change the ranking you see.

S4834 and regulatory status

Statements about New Jersey’s S4834 e-bike liability mandate are our reading of public sources and are provided for education, not as legal advice; the enacted minimum limits and effective dates should be confirmed against the bill text or with the NJ Department of Banking and Insurance. Published sources disagree on the required limits and we have not yet resolved the discrepancy — do not buy a specific limit on our say-so. We are not an insurer, do not sell or bind coverage, and are not a licensed producer.

Contact

Questions about this disclosure: hello@insuremy.bike.