how  we  compare

Simplify your decision-making with this bicycle insurance comparison.

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Crop up of bicycle road bike wheelCrop up of bicycle road bike wheel

Homeowners insurance vs. Specialist bicycle insurance

SUNDAYS
Home Insurance
Accidental damage
Not likely
Worldwide travel - 90 days
Not likely
Racing coverage
Not likely
Damage in transit - baggage handlers
Not likely
Pedal assist electric bicycles
Not likely
Listed accessories
Not likely
New for old two years
Not likely
Vandalism away from home
Not likely
Theft away from home
Not likely
Multi-bike discount
Third party bodily injury and property damage liability
Not likely
No premium increase for claims
Not likely
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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
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*Comparison data current as at September 2024 and does not include all Home & Contents insurers or products in the market.

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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Questions for you to ask your insurer.

To determine your bicycle’s cover in your current policy, we've put together some key questions.

  • Do you cover my bicycle if I ride it and crash it?
  • Do you cover my bicycle for theft away from home?
  • Do you provide cover for bicycles for their full value, or are there cover limits on the policy?
  • Do you provide cover for racing?
  • Do you provide coverage for traveling with my bicycle?
  • Do you increase policy premiums after filing a claim?
Testimonials are based on individual circumstances and may not reflect your experience. They may be influenced by factors such as cover options, excess, risk ratings, and available discounts, as well as the person’s own objectives, situation and needs. All claims are assessed on a case-by-case basis and subject to the terms and conditions including limits and exclusions of the insurance policy.

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