Your bike is uniquely yours. Your bicycle insurance policy should be too.
Chances are you know everything there is to know about cycling. But what about protecting yourself and your bike from the unexpected? Would you know how to get back on the road quickly if your bike was damaged or stolen? Get a fast, free online quote today.
See how an average homeowners insurance policy stacks up against Markel's bicycle insurance:**
| Policy coverage | Average homeowners policy | Markel bicycle policy |
|---|---|---|
| Insured at full value† | Not likely | Yes |
| Crash damage | No | Yes |
| Theft coverage | Limited | Yes |
| Theft away from home | Limited | Yes |
| Vehicle contact protection | No | Yes |
| Personal liability | Yes | Yes |
| Replacement bike rental | No | Yes |
| Event fee reimbursement | No | Yes |
| Cycling apparel | Not likely | Yes |
| Medical payments | Not likely | Yes |
| Racing coverage | No | Yes |
| Spare parts insured | Not likely | Yes |
| Covered in transit | Not likely | Yes |
| Worldwide physical damage | Not likely | Yes |
| Roadside assistance | Not likely | Yes |
| Coverage for electric bikes | Limited | Yes |
Provided for illustrative purposes only. **Terms and conditions may vary. †Your homeowners coverage may not be designed to cover your bike at full replacement cost, typically actual cash value (ACV) is offered.
Coverage for electric bikes
We also offer coverage for e-bikes with power assist up to 750 watts and top assisted speeds of 28 m.p.h.
*As of December 2023, the minimum annual premium is $100 and rates could exceed $100 depending on the coverage options selected and value of the bicycle to be insured.