trek bike insurance

Electric bike insurance to fit your needs

Get custom coverage starting at $100 a year through the USAA Insurance Agency's alliance with Markel American Insurance Company.‍ ‍ ‍ ‍ See note 1

What's electric bike insurance?

Electric bikes, or e-bikes, are covered by bicycle insurance . It helps protect cyclists and their e-bikes, which is valuable if you’re looking to ride farther, faster and longer.

You can customize your policy, whether you ride for transportation or recreation. It can include coverage for things like crash damage and injuries.

How are e-bikes different?

E-bikes look like standard bicycles, but they have a battery and an electric motor to assist pedaling or a throttle. Some have display screens.

If you have an electric bike and a standard bicycle, one Markel policy could cover them both.

What types of electric bikes are covered?

E-bike motors must be no more than 750 watts. Popular brands include Trek, Pedego Electric Bikes and Giant.

The motor helps the rider pedal up to 20 mph.

The throttle helps the rider go up to 20 mph without pedaling.

The motor helps the rider pedal up to 28 mph.

Coverage options for many situations

Most Markel coverages are optional, and e-bikes have the same options as standard bicycles. Mix and match the coverage you want to get the policy you need. You pick the value limit of your bike, and deductibles range from $200 to $500.

A Markel policy could cover the following and more:

Crash damage
Claims filed against you
Damages to your bike
Injuries while riding
Roadside assistance
Theft and vandalism

Do I need e-bike insurance?

Homeowners and renters policies may not cover electric bikes with a motor. Since e-bikes help you ride faster, your risk could also be higher. A separate e-bike policy can help give you needed protection, including liability and medical coverage.

Electric bike insurance FAQ

Policies start at $100 a year. The coverages you select, the value of your bike and how you ride are some of the factors that determine the cost of a bicycle insurance policy.

You won’t pay a higher rate just because you have an e-bike, but if you have a covered accident, the cost of damages could be higher.

Motorcycle insurance typically won't cover an electric bike. E-bikes are built more like a standard bicycle and often can be ridden with no assistance from the motor.

If you give someone permission to use your insured bike, your coverage may apply to them.

Our Agency has long-standing relationships with many insurance providers and we monitor those relationships to make sure they meet our standards of customer service. We've worked closely with Markel since 2007. Their specially trained representatives are ready to help make sure you receive a similar level of service you expect from USAA.

Insurance advice articles

Insuring your bicycle or e-bike.

Article: 10 minutes

Protect yourself with proper insurance coverage.

Article: 7 minutes

Can you insure anything?

Article: 9 minutes

Customize your e-bike insurance.

Get protection through the USAA Insurance Agency's alliance with Markel.

Have more questions?

Markel has specially trained representatives to help provide the service you expect from USAA.

Call Markel

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Insurance for Trek bikes

Bicycle Cover

Your trek bike covered like never before.

Forget what you know about insurance. Get to know collective cover.

Your Trek bike will be covered for:

5 STAR CLAIMS

An experience so good you'll actually want to claim

How we are rated

Laka Insured Trek bikes

Emonda, domane, madone, voted the best cycle insurance provider. by you., for 6 years running.

" Just made my first claim and have been amazed at the support and service received. Want to call out Matt the bike guru who supported my claim, he resolved a stressful situation. Insurance isn't just about the fee you pay, it's the about the service you receive."

"Highly recommend - has been a very competitive monthly cost, and excellent service when I needed to claim. Laka sent out mechanics to collect and check my bike and I was able to get my custom-fit race bike replaced within a week!"

"Basically the hype is real, which in today's world of cost cutting, pretend-optimised, overly complicated engagements with customer service is great. It just works, in exactly the same way many other companies don't when dealing with them."

"I don’t really do recommendations but I have to praise Laka. I recently had an accident on my bike and contacted Laka. This was genuinely the most painless experience ever. If your bike is your pride and joy you must use Laka."

"Amazing customer service, quick, responsive and spot on. I couldn't believe my whole claim was sorted in 2 days with plenty of flexibility. Insurance solutions from cyclist to cyclist is definitely for real, I strongly recommend Laka!" ‍

"Laka are literal bike-savers! My brand new Pinarello was stolen. Losing your bike is always a risk. When it happens it’s an awful feeling but getting a replacement of your choice couldn’t have been more easy with Laka and helped get back on the road."

eBike Insurance

Affordable pricing. Comprehensive coverage. Designed for your lifestyle.

Trek Bikes has served riders around the world since 1976, when the founders started in a barn in Wisconsin with the dream of creating quality bicycles they could share with others. Today, Trek is well-known for its selection of road bikes, mountain bikes, and commuter bikes perfect for all types of riding.

Trek Allant+

Trek Fuel EXe

Trek Powerfly

Trek Domane+

Trek powerfly 4, we've got you covered, we cover theft of your bicycle from, and away from, your home., crash damange, 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..

* Optional coverage

Loss & disappearance

We cover your jewelry if you’ve lost it and you cannot find it., we cover theft of your jewelry from, and away from, your home., $0 deductible, you don’t need to pay anything towards a covered claim., accidental damage, we cover accidental damage to your jewelry., worldwide protection, your jewelry is covered wherever you travel in the world., no impact on homeowners, claims don't affect your homeowner or renter premium., we cover theft of your device from, and away from, your home., we cover accidental damage to your device, including cracked screens and liquid damage., used & refurbished coverage, our policy covers devices that are used or refurbished., you don't need to pay anything toward a covered claim., unlimited claims, you can submit as many claims as you want if the device is damaged., your device is covered wherever you travel in the world., compare the coverages, compare plans.

Homeowners or renters insurance

Extended warranty, full-value coverage .

Crash damage

Damage or loss in transit, medical payments, liability protection, ebike cover, worldwide coverage, racing coverage, replacement bike rental, a.m. best a rated policy, no impact of claims on homeowner insurance, referral discounts, full-value coverage, cycling apparel, accessories & gear, a.m. best a+ rated policy.

Up to 20 clones per month

Business, Technology

Lottie Animation

Design interactions, mysterious disappearance, 30-day free cancellation, full value replacement, liquid submersion, business / work related use , purchase product coverage anytime, unlimited claims submissions, frequently asked questions.

Unlike driving, insurance for road cycling isn’t required by law (yet). So getting insurance cover for your bike is your choice, but if you love your bike, you’ll want to make sure it’s fully insured. An Oyster policy is a specialized insurance policy that provides comprehensive coverage against unforeseen scenarios specific to bikes. Coverages include theft, crash damage, medical payments, and liability coverage - and are typically neglected by your standard homeowners or renters insurance.

Bike coverage under a homeowners or renters policy is typically very limited and very restrictive. Homeowners and renters insurance usually have very low limits (e.g. $500), meaning that you are only partially covered for any bike above this price. Deductibles are also often high and should you need to file a claim against your policy, there is a risk that your homeowner insurance rates increase. In addition, most homeowners or renters policies don’t normally provide coverage for damage while riding your bike and theft coverage is often limited. Our bicycle policy is built specifically for you and your bike, offering full replacement value and the most important coverages, all with flexible deductibles. Plus, coverage through Oyster means your homeowners or renters insurance rates won’t increase if you need to file a claim.

We sure do! We see electric bikes as a key part of a greener future and a great way to get around. We insure any electric bike with a power assist that does not exceed 750 watts and a top speed of 28 mph, including class 1, class 2, and class 3 eBikes.

There is no real "average" policy as many factors affect the price of insurance (e.g. type of bike, price of the bike, how you use it). That being said, insurance is a small price to pay to make sure you are protected should the unthinkable happen. It takes less than 2 minutes to get a quote for a policy with Oyster, so that's the best way to find out exactly how much insurance will cost you.

Yes, if you select our 'Competitive' usage option then any coverages you purchase are in full force while you're competing in an event. Good luck on the course!

Oyster's policy is an “all risk” policy, which means everything is covered unless it is on the small list of exclusions in the policy document. Any form of loss, damage, theft, or mysterious disappearance is covered anywhere in the world.

Jewelry coverage under a homeowners or renters policy is typically very limited and very restrictive. For instance, accidental damage is often not covered and theft is covered up to a relatively low limit, such as $1,500. The most common cause of jewelry loss is mysterious disappearance (i.e. you left it the hotel or at the restaurant) and this is very unlikely to be covered under a homeowners policy. You are also subject to the same deductible as your overall homeowners or renters policy (which is often $1,000), meaning that in a case of loss or damage, your actual protection may be well below the cost to replace or repair your jewelry. Other key drawbacks include the fact that any claims can affect your homeowner premiums and there is limited control over the repair/replace service. In summary, homeowners or renters policies are great for certain protection, but not adequate for jewelry. For more details, see our blog post on this topic.

Policies with Oyster typically cost 1-2% of the value of the jewelry year. This means that a $5,000 ring could cost only $50 per year to insure, or only $4 per month. Protecting your valuable jewelry could be cheaper than one coffee a month.

Depends on the jewelry items you own, it's typically recommended to have jewelry insurance to protect against unforeseen accidents. Jewelry insurance provides peace of mind in case your jewelry is broken, stolen, or lost. At Oyster, we specialize in insuring jewelry of all shapes, sizes and values and our low minimum annual premium of $25 (just $2/month) means that protecting items you may not normally think of becomes affordable.

Most warranty or service plans typically only covers wear and tear issues. These plans do not provide protection for everyday risks such as theft, loss, mysterious disappearance or accidental damage. Warranties can usually only be purchased at the time you buy the jewelry (or a short window after it) and are normally only valid at that specific jeweler. In addition, claims are normally capped at the purchase price (not the appraised value, like Oyster insurance) and jewelry often goes up in value. Insurance is recommended in addition to a warranty or service plan, but if you only want one, insurance through Oyster is much broader than the average warranty and is personalized to your jewelry and your needs.

Homeowners' policies have limitations for electronics as to how they are covered, where they are covered, and how much they are covered for. Firstly, many homeowner and renter policies do not offer any protection for on-the-go electronic devices. Those that do, typically have very low limits (e.g. $500) and often exclude important coverages such as theft or liquid submersions. There is normally no protection for devices used for business and deductibles are often prohibitively high as they often match the homeowner deductible. Should you need to file a claim against your policy, there is also a risk that your homeowner insurance rates increase. Oyster has plans built specifically for personal electronics, with unlimited claim submission and the ability to purchase coverage anytime. Plus, coverage through Oyster means your homeowners or renters insurance rates won’t increase if you need to file a claim.

Oyster electronics insurance covers the cost of repairing or replacing your device for the following losses: cracked screens, spills, liquid submersion, accidental damage (e.g. drops), theft, natural disasters, fires, floods, and any power surge caused by lightning. We do not cover any intentional damage or cosmetic damage. For new devices, we offer optional cover for mechanical failures and manufacturing defects.

Warranty covers mechanical failure and breakdowns, it normally does not provide coverage for accidental damage or theft. Electronics insurance from Oyster protects against a variety of damages including theft, cracked screens, spills, liquid submersion, and drops. For new devices, we also offer optional cover for mechanical failure and breakdown, meaning we cover you for most foreseeable risks.

There is no real "average" policy as many factors affect the price of insurance e.g. type of device, price of the device, etc. Our policies start as low as $2/month, so protecting your electronics could be cheaper than a coffee a month. It takes less than 2 minutes to get a quote for a policy with Oyster, so that's the best way to find out exactly how much insurance will cost you.