Mountain Bike Insurance (2024)

FAQs

Can you get insurance on a mountain bike? ›

We cover your mountain bike while it's locked at home, out on the town, for damage while you're riding or racing, in-transit in the US, and even worldwide if you activate this optional coverage.

Yes. You simply need to add optional racing cover to your bicycle insurance policy to ensure it's covered during races, triathlons, and sportives.

How much does Cycle Insurance cost? As a general rule, you can expect to pay in the region of £100 to £300 per year, to insure one bike or e-bike depending on factors such as the value of the cycle, your age, where you live, how you use your bike and where you store it.

You might need bicycle insurance if you have an expensive bike or ride competitively. For everyday use, the coverage from your home or renters insurance is probably enough. But a bike insurance policy can give you more coverage and coverage for more scenarios, like racing and bike-related events.

Unfortunately, personal injury is not the only risk that mountain bikers subject themselves and their bikes to. As the most accident prone of cyclists, mountain bikers could benefit from additional coverage to protect themselves from unexpected financial losses.

Mountain biking can be tough on your kit, so you'll want to keep it protected. Our insurance can help cover your mountain bike, your clothing and accessories as well helping with the cost of repairs. Take a look at what we can offer you with our mountain bike cover.

Several factors contribute to the high cost of motorcycle insurance in California, including: The year-round riding season. Population density. Theft and vandalism rates.

Properly insure your bicycle—and your assets

Bicycles are covered under the personal property section of standard homeowners and renters insurance policies. This coverage will reimburse you, minus your deductible, if your bike is stolen or damaged in a fire, hurricane or other disaster listed in your policy.

The more a bicycle is used, the more wear and tear it will experience, which can lead to decreased value. Additionally, bicycles that have not been properly maintained or cared for may have more wear and tear, which can further decrease their value.

Which company gives the cheapest bike insurance? ›

Natural and man-made calamities: Coverage for natural and man-made calamities like floods, earthquakes, vandalism, riots, etc. Total loss: Complete damage to the vehicle is covered. In case the repair cost of your bike is more than 75% of the IDV, it is considered a total loss.

In short, it's not a legal requirement, but it may be a good idea. It's well worth considering investing in insurance for bicycles if you want to cover your bike against theft and accidental damage, or if you travel and race lots and want to be covered for every eventuality.

In a perfect world, you'd store your bike in something like Fort Knox – somewhere out of sight and highly secure so that you and your insurance provider know it's safe and sound. That option's not open to most of us, but if you can store your bike in a garage or on a drive, you should definitely do so.

Created by Kryptonite in 1978, the Anti-Theft Protection Offer is a program that reimburses registered customers for a specific monetary amount in the event their bicycle/motorcycle is stolen due to the opening or breaking of the lock by force.

The core conclusion of the study, which was a meta-analysis of studies about recorded injuries on many different mountain bike events, was that injuries were relatively uncommon and generally unserious in mountain biking. The study concluded that the benefits outweighed the risks.