Why you need Markel Specialty bicycle insurance

Bicycle insurance designed for the way you ride.
Transportation. Recreation. Fitness. Competition. Relaxation. Markel Specialty understands that each cyclist has a different reason for riding. And no matter what your reason is, we're here to provide you with customized protection to fit your riding style.

Don't wait until you file a claim to find out if you have the proper protection for your bike.
Think your homeowners or renters insurance properly covers your bike? Think again. If you ever need to file a claim, you may be shocked to discover that your current policy is filled with exclusions and restrictions that limit what you can get in replacement costs for your damaged or stolen bike.

While it may be true that homeowners insurance personal property coverage could provide support for bicycle theft, some homeowners policies may have low coverage limits for things like sporting goods equipment. A low coverage limit combined with a high deductible means bicycle owners may be faced with the majority of the cost to replace their bikes. That's why having a separate bicycle insurance policy can ensure that no matter how high the value of a bike, it’s covered in times of crisis.

See how an average homeowners insurance policy stacks up against Markel Specialty bicycle insurance:

Homeowners insurance vs Markel bicycle insurance
*Your homeowners coverage may not be designed to cover your bike at full replacement cost, typically actual cash value (ACV) is offered. Insurance, coverage, and discounts are subject to availability and qualifications and may not be available in all states. Coverage descriptions listed are for illustrative purposes and do not replace actual policy language. For questions or a complete definition of coverages and discounts available to you, please call 800-236-2453 to speak with a bicycle insurance specialist.

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