Commuter bike insurance

Commute with confidence.

Think your homeowners or renters insurance properly covers your bike? Think again. Most property insurance provides little, if any, coverage for performance bikes. With Spoke Bicycle Insurance powered by Marsh & McLennan Agency, you can customize your coverage to fit your riding style.

Some of the coverages Spoke Bicycle Insurance offers:

  • Replacement coverage for collision, theft, and more
  • Bicycle physical damage coverage protecting your bike against damage, theft and more. Plus, this coverage also automatically includes protection for your spare parts, cycle apparel, competitive event fee reimbursement if you are unable to race, and rental reimbursement
  • Protection in case you cause bodily injury or property damage to others
  • Medical payments and roadside assistance coverage
Most homeowners policies have limits on coverage for sporting equipment, like bicycles. And if you have a claim, you’ll probably be faced with a hefty deductible. Even worse, it may cause your property insurance rates to go up. Why risk it when you can properly protect your bike with Spoke Bicycle Insurance for as low as $100 per year?

Coverage for your bike
Bicycle physical damage protection
Helps pay for repairs or replacement of your bike if it is damaged or goes missing. You pick the value limit of your bike, and we’ll help cover things like vandalism, crash damage, or a collision with another rider. We’ll even protect you while racing. Deductibles range from $200 to $500–well less than the typical deductible under a homeowner’s policy! And flexible deductibles help you control your bike insurance cost.

Headed to Europe with your bike? Not to worry, Markel also offers worldwide physical damage protection for when you travel overseas.

Spare parts and accessories
At no added cost, your Markel policy will provide up to $500 for spare parts and $500 for riding apparel per claim ($1,000 total per policy term) when you purchase bicycle physical damage protection.

Replacement cost coverage
Your bike is insured at full value to get you back on the road faster.

Theft protection
At or away from home!

Transit protection
Protects your bike when shipping it to your next race or bicycle adventure.

Coverage for you
Bicycle liability protection
All it takes is a wet patch of pavement or a wayward stone in the road for you to lose control of your bike. Bicycle liability coverage helps protect you if you are responsible for injuries or property damage to another person or their belongings while using your bicycle. Limits range from $25,000 to $100,000.

Vehicle contact protection
This added coverage gives you the protection you need in case you are hit by a vehicle that doesn’t carry the proper insurance protection to cover your losses.

Medical payments
We'll help cover your medical costs if you are injured while riding–up to your policy limit. You can choose limits that meet your personal needs, ranging from $1,000 to $10,000.

Roadside assistance
With this coverage, you can get nationwide 24-hour emergency service with up to 35 miles of transportation per breakdown–all for only $10 a year per bicycle.

Special protection for competitive cyclists—at no extra cost!
Rental reimbursement
Markel offers coverage for renting a substitute bicycle if your bike is damaged or stolen while you are away from home and participating in an organized ride.

Competitive event fee reimbursement
Helps cover nonrefundable prepaid entry fees if your bike is involved in a covered accident, and you are unable to compete or participate.

*Insurance, coverage, and discounts are subject to availability and qualifications and may not be available in all states. Coverage descriptions listed are intended to be brief and do not replace actual policy language. For questions or a complete definition of coverages and discounts available to you, please call 855-422-5945 to speak with a bicycle insurance specialist.
Insurance policies are sold through Marsh & McLennan Insurance Agency LLC (Producer License Number CA #0H18131) and Marsh & McLennan Agency LLC (NPN#12773845 and Producer License Number NY #PC-1111237) 7225 Northland Drive N, Ste. 300, Minneapolis, MN 55428. Coverage is provided by Markel American Insurance Company, Glen Allen, VA and underwritten by Markel Service, Inc.

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