Common Causes Of Bike Insurance Claims

Bicycle insurance can provide valuable protection for your bike and financial security in the event of an accident or other incident. Here are the most common causes of bike insurance claims and how to prevent them.


Unfortunately, bicycle theft is a common occurrence. Garage 529 reports that over 2 million bikes are stolen annually in America, equating to one theft every 30 seconds. This can be a devastating loss, both financially and emotionally, as many people have a strong attachment to their bikes. To prevent theft, it is important to use a high-quality lock and store your bike in a secure location. To increase the chances of recovery in the event of a theft, you should also register your bike with a national database such as Bike Index or 529 Garage.

Collision with motor vehicle

Collisions between cyclists and motor vehicles are unfortunately common, especially in urban areas where there is a high volume of both types of traffic. There are over 48,000 collisions between cyclists and motor vehicles annually and these collisions can cause significant damage to both the bicyclist and their bike, leading to insurance claims. To prevent collisions, it is important to follow traffic laws, wear a helmet, and use lights and reflective materials to make yourself more visible to motorists.

Damage from accidents or falls

Accidents and falls can also cause damage to your bike, leading to insurance claims. Whether you are riding on rough trails, cruising through the city, or simply riding in your neighborhood, there is always a risk of falling or crashing. To prevent damage, it is important to properly maintain your bike and check for any potential issues before riding. It is also a good idea to wear protective gear, such as knee and elbow pads, to reduce the risk of injury in the event of a fall.

Racing crash

Racing crashes can be a common cause of bike insurance claims, especially for riders who frequently participate in cycling events. These types of crashes can occur due to a variety of factors, including rider error, equipment failure, or collisions with other riders or objects on the course. Racing typically involves high speeds and close proximity to other riders, which can result in larger damages or injuries. It's important for riders to take appropriate precautions, such as wearing protective gear and following safety rules and regulations, to minimize the risk of crashes.

Airline damage

Airline baggage handlers are not known for their gentle handling of luggage and, unfortunately, this has implications for ebikes that are transported this way. Despite packing your bike the correct way, you cannot account for the behavior of others once it is checked in. Bike insurance claims come in from passengers who have seen their item damaged by the airlines, who typically absolve themselves of any responsibility for damaged luggage.

Natural disasters

Natural disasters, such as floods, storms, or earthquakes, can be a cause of bike insurance claims. These events can cause damage to bikes in a variety of ways, including through direct impact from wind, rain, or debris, or through exposure to water or other elements. As our world climate becomes more unpredictable, the chance of damage from a natural disaster is likely to go up. 

Overall, the most common causes of bike insurance claims are theft, collision with a motor vehicle, and damage from accidents or falls. Damage during races, while transporting the bike and as a result of a natural disaster also happen. By taking steps to prevent these incidents, you can reduce your chances of needing to file a claim and protect your investment in your bike. Additionally, having a comprehensive bicycle insurance policy can provide peace of mind and financial protection in the event that one of these incidents does occur. Whether you are a seasoned cyclist or just getting started, bicycle insurance can be a valuable investment in your cycling experience.

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