how  we  compare

Simplify your decision-making with this bicycle insurance comparison.

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Homeowners insurance vs. Specialist bicycle insurance

SUNDAYS
HOMEOWNERS
& RENTERS
Theft away from home
Accidental damage
Malicious damage
Domestic in-transit
Bike rack transport
Taxi fare reimbursement
Event entry reimbursement*
Replacement bicycle hire reimbursement*
Medical payments coverage**
Worldwide coverage
Optional
Racing and event coverage
Optional
Lifetime new for old coverage
Optional
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Sundays vs. Other bicycle insurers

Sundays Insurance
Spoke
Markel
$2000
Bike cover
$168/yr
$14/mo
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$5000
Bike cover
$168/yr
$14/mo
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
Get a quote
*Dependent on selecting worldwide or racing & event coverage **Not available in New York

Most homeowners or renters policies have low coverage limits for sporting equipment, including bicycles. These low limits might mean your bicycle is only covered for a small portion of its actual value. Furthermore, these policies often have higher deductibles and fail to provide coverage if your bike is stolen or damaged away from home.

Are you fully covered?

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See how Sundays stacks up against the competition

The bicycle insurance market, much like cycling itself, can be fiercely competitive. Some may shy away from it, we embrace it wholeheartedly. It pushes us to strive harder and improve our offerings, delivering the best possible product and service to you. It's a win-win situation for everyone involved.

SUNDAYS
VELOSURANCE
OYSTER
MARKEL
$2000 Bike cover
$2500
E-bike commuter
$196/year
$17/month
$296/year
$44.40/first month
thereafter $22.87/month
$6 fee per installment
$296/year
No monthly payment options found
$296/year
$44.40/first month,
thereafter $22.79/month
$6 fee per installment
$5000 Bike cover
$5000
E-bike commuter
$346/year
$30/month
$563/year
$84.45/first month
thereafter $43.50/month
$6 fee per installment
$563/year
No monthly payment options found
$563/year
$84.45/first month
thereafter $43.50/month
$6 fee per installment
$2000 Bike including racing
Sundays deductible $350
Competitor fixed deductible $500
$2500
Road bike including racing
Sundays deductible $350
Competitor fixed deductible $500
$198/year
$17/month
$303/year
$45.45/first month
thereafter $23.41/month
$6 fee per installment
$337/year
No monthly payment options found
$337/year
$50.55/first month
thereafter $25.95/month
$6 fee per installment
$5000 Bike including racing
$5000
Road bike including racing
Sundays deductible $350
Competitor fixed deductible $500
$350/year
$30/month
$580/year
$87.00/first month
thereafter $44.82/month
$6 fee per installment
$644/year
No monthly payment options found
$644/year
$96.60/first month
thereafter $49.59/month
$6 fee per installment
No upfront premium
No upfront premium
No cancellation fees
No cancellation fees
Subject to min earned premium of $100
Subject to min earned premium of $100
Subject to min earned premium of $100
14 day cooling off period
i
14-day cooling-off period
If you decide our policy isn’t for you and you haven’t claimed, you can cancel your policy within 14 days of starting it. We will refund your premium in full.
14-day cooling-off period
i
14-day cooling-off period
If you decide our policy isn’t for you and you haven’t claimed, you can cancel your policy within 14 days of starting it. We will refund your premium in full.
Lowest deductible
Lowest deductible
$150
$200
$200
$200
Lowest deductible including racing
Lowest deductible including racing
$150
$500
$500
$500
Medical expenses included
Medical expenses included
Up to $1000
Optional
Optional
Optional
Taxi fare reimbursement
i
Taxi fare reimbursement
If you are involved in an accident or a crash where your bicycle is damaged and it cannot be repaired at the scene, we will reimburse you up to $75 for the cost of transporting you and your bike to the nearest public transportation station, bicycle shop, or your home.
Taxi fare reimbursement
i
Taxi fare reimbursement
If you are involved in an accident or a crash where your bicycle is damaged and it cannot be repaired at the scene, we will reimburse you up to $75 for the cost of transporting you and your bike to the nearest public transportation station, bicycle shop, or your home.
Worldwide accidental coverage
Worldwide accidental coverage
Optional
Per claim deductible for multiple bikes
i
Per claim deductible for multiple bikes
If you file a claim for multiple bicycles damaged in the same accident, you will only need to pay your deductible once. Often other insurance companies may require you to pay a separate deductible for each bike claimed.
Per claim deductible for multiple bikes
i
Per claim deductible for multiple bikes
If you file a claim for multiple bicycles damaged in the same accident, you will only need to pay your deductible once. Often other insurance companies may require you to pay a separate deductible for each bike claimed.
Replacement bicycle hire
i
Replacement bike hire
If something happens to your bicycle within seven days of you participating in a cycling race, or event or traveling with your bike, we’ll cover the cost of renting a replacement bicycle up to $300 whilst we process your claim so that you can keep rolling.
Replacement bicycle rental
i
Replacement bike hire
If something happens to your bicycle within seven days of you participating in a cycling race, or event or traveling with your bike, we’ll cover the cost of renting a replacement bicycle up to $300 whilst we process your claim so that you can keep rolling.
Up to $300
up to $250
up to $250
Claiming will not affect your renewal premium
Claiming will not affect your renewal premium
Likely
Likely
Likely
Perks provider for Strava
i
Perks provider for Strava
If you are a paid Strava Subscriber, you can activate your exclusive Sundays Perks, which include coverage for device damage up to $600, reimbursement for taxi fare up to $50, and refund for running race entry fees up to $100.
Perks provider for Strava
i
Perks provider for Strava
If you are a paid Strava Subscriber, you can activate your exclusive Sundays Perks, which include coverage for device damage up to $600, reimbursement for taxi fare up to $50, and refund for running race entry fees up to $100.
Get a quote
Get a quote

Sundays vs. Other bicycle insurers

Sundays Insurance
Spoke
Markel
$2000
Bike cover
$168/yr
$14/mo
No items found.
/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$5000
Bike cover
$168/yr
$14/mo
No items found.
/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
Get a quote
Comparison done in March 2024, and quotes based on CA zip code 94941, Specialized Haul E-bike (Sundays deductible $250 and other insurers $200), and Specialized Diverge carbon Road Bike (Sundays deductible $350 and other insurers $500). Medical and 14-day cooling-off not available in NY. Minimum cancelation fee of $25 for MI & SD, if canceled after 14 days. All coverage subject to terms and conditions. The Sample Policy Form can be viewed here.

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Trust our 15 years of experience in the bicycle insurance industry.

Our comprehensive, customizable, and competitively priced coverage includes easy online quotes, fast claims handling, and expert customer service.

Reliability — committed to confidence

At Sundays Insurance, we value your trust and endeavor to exceed expectations at every step, from quoting to claiming.

In the United States, Sundays Insurance is underwritten by U.S. Specialty Insurance Company (USSIC) (located at 13403 Northwest Freeway, Houston, Texas, 77040), through Tokio Marine HCC – Specialty Group (a member of the Tokio Marine HCC group of companies). USSIC has been conducting business in the United States for over thirty years. With the highest financial strength rating from A.M.Best, they’re committed to delivering safety, security, and peace of mind to their customers, partners, and society through a financially sound organization.

This program is currently offered only in Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin.

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Any questions? call us at
(805) 448-6558
or visit our FAQs