Q: Who is GoBike Insurance Services?
A: GoBike Insurance Services offers comprehensive insurance to individual cyclists and their bikes. We have assembled some of the most respected partners in the insurance industry to deliver great coverage and service to cyclists. Visit our “About Us” page for more information.
Q: Do you only cover US residents?
A: Yes. Only US residents may apply for this coverage
Q: What States do you currently offer bicycle insurance in?
A: All 50 states.
Q: What information do you need to start coverage?
A: Simply go to quote page, follow the link, and start the easy application.
Q: Do you insure professional cyclists?
A: Yes under personal use it is still covered.
Q: Do you insure bicycle messengers?
A: Cyclists that use their bicycles for commercial use are not covered for example bicycle messengers.
Q: What is the minimum/maximum age?
A: 18 years or older to secure insurance.
Q: Is there a deductible on this policy?
A: Yes. We offer $100, $200, $300 and $500 deductible options
Q: Am I covered if I go abroad?
A: Yes in U.S.A. and Canada. Coverage can be expanded Expand your coverage outside of the US and Canada. Covers the bike while in transit.
Q: Am I covered if I am riding any bicycle?
A: No. Only the bicycle that is listed on the policy is covered. However your bicycle is still covered if you give permission to someone else to ride it.
Q: Can I add or make changes to the policy at any time?
A: Yes. Login to get to the Policy Updates page. Feel free to contact us at info@gobikeinsuranceservices.com
Q: What is liability cover?
A: Under our policy, liability coverage protects you in the event that you are negligent and cause injury or property damage to other cyclist’s, motorists or even pedestrians.
Q: I am looking for bicycle liability insurance only, can you help?
A: Yes. We have a liability only program that you may purchase. We offer both liability coverage and motor vehicle contact protection in the event that a driver of a vehicle is either uninsured or underinsured.
Q: What are your contact details?
A: Email us at info@gobikeinsuranceservices.com
Q: I am having a problem in applying, can you help?
A: Yes. Contact us by email at info@gobikeinsuranceservices.com
Q: Does my Homeowners Insurance cover my bicycle?
A: In some situations it may cover your bicycle. Some homeowner policies may cover your bicycle as long as it is scheduled on to your policy with an added premium. However, it may not cover damage to your bicycle or allow theft away from your home. It would not cover you in the event that you were struck by an uninsured or underinsured driver or a hit and run driver. You may also have to pay the deductible which could cost you more than it would to insure your bicycle under a GoBike bicycle insurance policy. We recommend that you read your homeowners policy to ensure that you have the coverage that you need.
Q: Does my auto insurance policy cover me?
A: Yes. In some instances it will cover you, but it may not cover property damage or theft of your bicycle. You may also have to pay the deductible, which could cost you more than it would to insure your bicycle under a GoBike bicycle insurance policy. We always recommend that you read your auto policy or talk to your agent to ensure that you have sufficient coverage.
Q: Will making a claim on my homeowners and auto insurance policies increase my insurance premiums?
A: It may indeed affect your rates at renewal. It is different with many carriers.
Q: Will I have to pay my homeowner’s or auto insurance deductible when making a claim?
A: Yes. Whether you have a standard or a disappearing deductible any out of pocket dollar amount or the reduction in claim payout will be equal to the deductible amount. For this reason a standalone bicycle insurance program with a simple $100.00 deductible may be a better option.
Q: What if my bicycle is stolen?
A: File a police report at the very least. Ensure that you collect all relevant information regarding the theft. Keep any evidence that may help to support your claim eg. photos of the location or broken lock etc.