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  1. #1
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    Bike Insurance in NY?

    Is there such a wonderful thing as bicycle insurance? It would be nice to ride my bike and not have to worry about it getting stolen and being left empty handed!

  2. #2
    stole your bike roadiejorge's Avatar
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    I don't know if there is any or not but I would imagine the rates would be pretty high given the amount of bike thefts in the city.
    I like pie

  3. #3
    Senior Member dendawg's Avatar
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    If you have home owners or renters insurance you're probably covered, but check your deductable vs. the value of your bike.

  4. #4
    Senior Member bktourer1's Avatar
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    There was a company that had a plan like AAA, but it didn't cover a lot of areas and seemed expensive

  5. #5
    Car-Free Flatlander Stacy's Avatar
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    Kryptonite has limited one year coverage if your bike is stolen while using one of their New York locks. But the lock has to be damaged in the process and you have to return the lock to them when you make a claim.

  6. #6
    Professional Fuss-Budget Bacciagalupe's Avatar
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    Quote Originally Posted by dendawg View Post
    If you have home owners or renters insurance you're probably covered, but check your deductable vs. the value of your bike.
    +1

    Bike theft sucks, but let's face it, your bike could get stolen at any time and that's just how it goes. I.e. don't lock up a bike outside for a long period of time if you can't afford to replace it.

  7. #7
    Senior Member
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    I was just curious, because they have computer insurance these days and computers break often too (and cost around the same!).

  8. #8
    Senior Member Commando303's Avatar
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    From what I know, police precincts don't even offer any sort of "registration" program.

  9. #9
    Senior Member
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    That is too bad. I guess we bikers have to fend for ourselves!
    Why buy 10 cheap bikes when one nice one will last longer!

  10. #10
    Car-Free Flatlander Stacy's Avatar
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    Quote Originally Posted by Commando303 View Post
    From what I know, police precincts don't even offer any sort of "registration" program.
    I registered my bike with the 20th Precinct a few years ago, even though I actually live in a different precinct, because they were doing bike registrations as a prelude to Bike Month. Try contacting the crime prevention officer in your local precinct. They engrave a number on the bottom and give you a certificate with that number.

  11. #11
    Senior Member cyclezealot's Avatar
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    There is a national bike registration service. I 've used that. Not sure how good it is. But on the bottom of my Klein is a sticker warning that the bike's serial number is on file...
    Insurance companies.. It's for suckers. They might pay out an initial claim.. Good luck. Anyone find a reliable insurance plan for bikes and air travel. let me know. I've yet to find one..
    Pray for the Dead and Fight like Hell for the Living






    ^ Since January 1, 2012

  12. #12
    Senior Member Commando303's Avatar
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    Quote Originally Posted by Stacy View Post
    I registered my bike with the 20th Precinct a few years ago, even though I actually live in a different precinct, because they were doing bike registrations as a prelude to Bike Month. Try contacting the crime prevention officer in your local precinct. They engrave a number on the bottom and give you a certificate with that number.
    No one's doing it now, though they did provide a phone number to call for more information (which I might do soon).

  13. #13
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    Quote Originally Posted by Folder4life View Post
    Is there such a wonderful thing as bicycle insurance? It would be nice to ride my bike and not have to worry about it getting stolen and being left empty handed!
    Yes there is. Actually there are a number of companies that sell stand-alone bicycle insurance policies. These policies are better than homeowners/renters insurance policies since they cover so much more. Like if your bike
    gets stolen from your vehicle in the parking lot of a mall , renters policy will most likely not cover it and even if it will , they will depreciate your bike by 15% of it's original value per year. So if your bike is in perfect shape but
    happens to be 4 years old, you will get less then half of what its worth. I would look into Velosurance Bicycle Insurance in New York state, they have lots of coverage options to choose from and their agent is always available to answer your call if needed.

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