We've got you covered

Theft

We cover theft of your bicycle from, and away from, your home.

Crash damage

We cover your bike if it’s damaged in an accident or crash.

Full value coverage

We cover the full replacement value of your insured bike.

Domestic travel

We cover loss or damage to your bike while in transit with third parties.

Worldwide protection*

Your bicycle is covered wherever you travel in the world.

Medical coverage*

If you’re hurt, we'll cover certain medical bills, up to the policy limit.

Compare the coverages

Compare
Plans

Homeowners or renters insurance

Extended warranty

COVERAGE

Full-value coverage 

-

-

Theft

-

Crash damage

-

-

Damage or loss in transit

-

-

Medical payments

-

-

Liability protection

-

eBike cover

-

Worldwide coverage

Racing coverage

-

-

Replacement bike rental

-

-

FEATURES

A.M. Best A rated policy

-

No impact of claims on homeowner insurance

-

Referral discounts

-

-

COVERAGE

Full-value coverage

Theft

Crash damage

Medical payments

eBike cover

Cycling apparel, accessories & gear

FEATURES

No impact of claims on homeowner insurance

A.M. Best A+ rated policy

Referral discounts

ACCOUNTS

Clones

Up to 20 clones per month

Categories

Business, Technology

User Limit

1 User

DESIGN INTERACTIONS

Lottie Animation

3 months

Design Interactions

3 months

DESIGN INTERACTIONS

Clones

Categories

-

ACCOUNTS

Clones

Up to 20 clones per month

Categories

Business, Technology

User Limit

1 User

DESIGN INTERACTIONS

Lottie Animation

3 months

Design Interactions

3 months

DESIGN INTERACTIONS

Clones

Categories

-

Compare the coverages

Compare
Plans

Homeowners or renters insurance

Extended warranty

COVERAGE

Full-value coverage

-

-

Theft

-

Loss

-

-

Mysterious disappearance

-

-

Accidental damage

Worldwide coverage

FEATURES

$0 deductible

-

A.M. Best A+ rated policy

-

No impact of claims on homeowner insurance

-

Referral discounts

-

-

30-day free cancellation

-

-

COVERAGE

Full-value coverage

Theft

Loss

Mysterious disappearance

Damage

Worldwide coverage

FEATURES

$0 deductible

No impact of claims on homeowner insurance

A.M. Best A+ rated policy

Referral discounts

ACCOUNTS

Clones

Up to 20 clones per month

Categories

Business, Technology

User Limit

1 User

DESIGN INTERACTIONS

Lottie Animation

3 months

Design Interactions

3 months

DESIGN INTERACTIONS

Clones

Categories

-

ACCOUNTS

Clones

Up to 20 clones per month

Categories

Business, Technology

User Limit

1 User

DESIGN INTERACTIONS

Lottie Animation

3 months

Design Interactions

3 months

DESIGN INTERACTIONS

Clones

Categories

-

Compare the coverages

Compare
Plans

Homeowners or renters insurance

Extended warranty

COVERAGE

Full value replacement

-

Theft

-

-

Accidental damage

-

Liquid submersion

-

Used & refurbished coverage

-

-

Business / work related use 

-

FEATURES

$0 deductible

-

A.M. Best A rated policy

-

Purchase product coverage anytime

-

-

Unlimited claims submissions

-

-

No impact of claims on homeowner insurance

-

Referral discounts

-

-

COVERAGE

Full value replacement

Theft

Accidental damage

Liquid submersion

Used & refurbished coverage

Business / work related use 

FEATURES

$0 deductible

Unlimited claims submissions

Purchase product coverage anytime

Referral discounts

ACCOUNTS

Clones

Up to 20 clones per month

Categories

Business, Technology

User Limit

1 User

DESIGN INTERACTIONS

Lottie Animation

3 months

Design Interactions

3 months

DESIGN INTERACTIONS

Clones

Categories

-

ACCOUNTS

Clones

Up to 20 clones per month

Categories

Business, Technology

User Limit

1 User

DESIGN INTERACTIONS

Lottie Animation

3 months

Design Interactions

3 months

DESIGN INTERACTIONS

Clones

Categories

-

Compare the coverages

Compare
Plans

Homeowners or renters insurance

COVERAGE

Full-value coverage

-

Theft

Loss

-

Accidental damage

Fire & water damage

-

FEATURES

$0 deductible

-

A.M. Best A+ rated policy

Cover without appraisal

-

No impact of claims on homeowner insurance

-

Referral discounts

-

COVERAGE

Full-value coverage

Theft

Loss

Accidental damage

Fire & water damage

FEATURES

$0 deductible

No impact of claims on homeowner insurance

A.M. Best A+ rated policy

Referral discounts

ACCOUNTS

Clones

Up to 20 clones per month

Categories

Business, Technology

User Limit

1 User

DESIGN INTERACTIONS

Lottie Animation

3 months

Design Interactions

3 months

DESIGN INTERACTIONS

Clones

Categories

-

ACCOUNTS

Clones

Up to 20 clones per month

Categories

Business, Technology

User Limit

1 User

DESIGN INTERACTIONS

Lottie Animation

3 months

Design Interactions

3 months

DESIGN INTERACTIONS

Clones

Categories

-

Frequently asked questions

Do you need insurance for your bike or eBike?
I have homeowners/renters insurance, do I still need bicycle insurance?
Do you insure eBikes?
How much does bicycle insurance cost?
Am I covered while riding in a race?

Frequently asked questions

What does a jewelry policy cover?
I have homeowners/renters insurance, do I still need jewelry insurance?
How much does jewelry insurance cost?
Is my jewelry worth insuring?
Why do I need jewelry insurance if I have a jewelry service plan or warranty?

Frequently asked questions

I have homeowners/renters insurance, do I still need electronics insurance?
What does electronics insurance cover?
Does my device warranty count as insurance?
How much does electronics insurance cost?

Frequently asked questions

I have homeowners/renters insurance, do I still need collectibles insurance?
How much does collectibles insurance cost?
What types of collectibles does Oyster cover?

Less hassle, better protection

Join Oyster today to learn how you can be properly protected from the unexpected things in life.

Get Started