You can get a bike insurance quote by visiting the website of a bicycle insurance company and either using an online tool or calling the posted phone number, according to the websites for Velosurance and Markel. For example, you can submit an address, name, email address and bicycle value at Velosurance's website to get a free quote.
Velosurance offers bicycle owners multi-risk policies that protect against theft, damage and liability, notes its website. Bike insurance policies provided by Velosurance do not depreciate the bike, so in the event of a total loss, the company uses the bike's full value to replace it. Velosurance maintains partnerships with bicycle repair shops throughout the United States to provide its customers with service when a bicycle has damage. Available policy options and features include 24-hour roadside assistance, supplemental medical coverage, cargo coverage when transporting a bike and coverage outside the United States.
Markel insures traditional and electric bicycles against theft and damage, including damage to accessories and spare parts, explains the insurer's website. It also offers protection for a rider in the event of an accident. Markel advises bicycle riders that its independent policies are preferable, because homeowners insurance provides limited coverage for several potential losses. Homeowners insurance does not cover collisions with vehicles or racing and crash damage. Markel policies fully cover these situations, as well as others that may have limited or nonexistent coverage under a homeowners policy.