Refer to our list of approved locks [here] to check if yours is included. If your lock is not listed, email us on hello@us.insurance.globalcyclingnetwork.com with details about your lock for our review.

Homeowners and renters insurance may cover your bike, but often come with limitations, such as higher deductibles and coverage for only a portion of your bike's value. Our insurance lets you customize your coverage, with benefits tailored to cycling, regardless of your bike type. Additionally, we cover damage or theft away from home and won't increase your premium when you make a claim.

Yes, we offer a 10% discount for any additional bicycles you add to your policy.

Yes, our bicycle insurance coverage includes your spouse, any children over 18 years old, or a partner you’ve lived with for two years or more, as long as they are listed on the policy as additional policyholders and permanently reside with you.

We cover Class 1 - 3 e-bikes, with 2 wheels and functional pedals, that comply with your state's laws regarding electric bicycles.

‍Class 1: Equipped with a motor that helps you move only while pedaling. Once you reach 20 miles per hour, you're on your own and all electric assistance stops.

Class 2: Equipped with a motor that if you engage the throttle, you will get moving without having to pedal yourself. But, once you reach 20 miles per hour, it is up to you to keep the electric bicycle moving without assistance.

‍Class 3: Equipped with a motor that helps you move only while pedaling. Once you reach a speed of 28 miles per hour, you're on your own and all electric assistance stops. This bicycle is also equipped with a speedometer.

For all of the above the maximum power output is 750 watts. Manufacturers and distributors of electric bicycles are required to apply a class identification label to each electric bicycle which comes in handy. We don't cover bicycles fitted with internal combustion engines or other sources of power assistance or self-made or homemade retrofitted e-bikes.

We know that getting caught up in a collision with a vehicle is every cyclist's worst nightmare, and we want to give you one less thing to worry about. Whether or not the driver is insured, your bicycle will be covered under our bicycle insurance and we'll either repair or replace your bike as soon as possible.

If you haven't made a claim, you can cancel your policy within 14 days of the start or renewal date. The premium paid for the policy will be refunded with no penalties. Even after the cancellation period, you can cancel your policy with no penalties charged.

This does not apply to New York

You have the option to pay for your policy either monthly or annually, depending on your preference.

List bicycles purchased new and less than two years old at the purchase price or the new recommended retail price, whichever is greater.

For bicycles older than two years, list it as its market value. Market value means the best-estimated price that a buyer would pay and a seller would accept for an item in an open and competitive market for a bicycle, custom part, or accessory of similar make, model, quality, material, condition, function, type and age. To calculate this, take the item's original recommended retail price and deduct 10% for every year or part thereof.