You can insure a bike even if you’re not the owner, but there are some important rules about who should hold the policy and who’s covered. Here’s what to know before choosing how to set up your bike insurance.
Can I insure someone else’s bike under my name?
We recommend insuring the bike in the owner's name whenever possible. This helps match the purchase invoice and ownership documents in case you need to make a claim in the future.
If the name on the invoice does not match, for example, if your partner purchased your bike or there are multiple bikes under one invoice, please upload a brief statement explaining the discrepancy. The person listed as the policyholder is the one legally responsible for the contract. They're responsible for the payments, communication, and submitting claims.
What if the bike belongs to my child or a minor?
Minors (under 18) can’t legally hold their own insurance policy. In this case, a parent or legal guardian should take out the policy in their name. The bike will still be fully covered, but the adult will manage the contract and any claims.
Can I cover multiple bikes under one policy?
No. Each policy covers one specific bike. If you’d like to insure multiple bikes (for example, yours and your partner’s), you’ll need a separate policy for each.
Alternatively, you can cover all your family’s bikes under a single policy with our household contents insurance, as long as everyone lives under the same roof. You can find more information here.
Who is protected under the policy?
Anyone who’s allowed to use the insured bike is covered, whether that’s you, your partner, or a family member. The insurance applies to the specific bicycle listed in your policy, as long as it’s being used with your permission.