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Old 06-07-11, 09:29 PM   #1
othonleon
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Bike Insurance

Is it possible to get a bicycle insured? Against damages, accidents? Theft?

Many thanks,
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Old 06-07-11, 11:35 PM   #2
Dale_S
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I am not sure how it works in Canada, but in the States the bike is covered under your Homeowner's or Renter's Insurance Policy. BTW - was in Montreal last November for work, nice City.
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Old 06-08-11, 05:38 AM   #3
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Actually, my bike (recumbent trike, actually) isn't covered under my homeowner's policy, at least for theft; the insurance company would require me to get a rider on my policy to cover it. The rider worked out to about 10% of the original cost per year; I decided that I'll just have to hope I can go 10 years without having it stolen.
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Old 06-08-11, 06:50 AM   #4
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Same deal in Canada. You can get insurance, but it costs a lot. My homeowners covers a bike of up to $1k, and I can up that with extra payments.
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Old 06-08-11, 06:56 AM   #5
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Same deal in Canada. You can get insurance, but it costs a lot. My homeowners covers a bike of up to $1k, and I can up that with extra payments.
I guess it depends on coverage and carrier. Mine is covered for theft from home, riding, traveling etc by the homeowners policy to a value of 10k. Beyond that, it needs a rider. No crash coverage.
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Old 06-08-11, 07:29 AM   #6
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When I got my USAC racing license, shortly thereafter I received an email advertising bike insurance, covering just about anything you can think of, including race crash damage. IIRC, it was $200-300/year.
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Old 06-08-11, 11:17 AM   #7
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I guess it depends on coverage and carrier. Mine is covered for theft from home, riding, traveling etc by the homeowners policy to a value of 10k. Beyond that, it needs a rider. No crash coverage.
You mean no dmage coverage from a crash? Or, no liability coverage from a crash?
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Old 06-10-11, 01:21 PM   #8
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My car insurance company State farm does allow prurchasing a rider for any dollar amount covering bike theft from an auto. I have a blanket liability policy that covers everything including cycling. Not sure how much my home owners covers.

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