Read More" />

Is My Bicycle Covered While On My Bike Rack?

bicycle stands on the roof of the car


If you’re one of the many individuals who enjoys a nice bicycle ride each Sunday, it’s important that you understand the insurance regulations of your bike and its rack. In most cases, you will receive coverage. However, there are a variety of incidents where your bike will not receive coverage, or the damages extend to your deductible limits. Gathered is all the must-know information about your bicycle’s coverage while on your car’s bike rack:

  • In many states, when your bicycle is damaged while attached to your vehicle, you can file a claim under your homeowners’ insurance or renters insurance policies. However, the method of reimbursement will depend on what you have chosen for your policy. Replacement cost value will provide you with the actual cost to replace the value, minus the depreciated value. However, if you have actual cash value, you will receive the depreciated value of your bicycle.
  • Likewise, if a hit and run driver damages your bicycle, you can file a claim through your homeowners’ insurance policy or renters’ insurance policy.
  • Additionally, if your bicycle is stolen when attached to your bike rack, you must file a police report in order to receive coverage.
  • While you will receive coverage for your bicycle when it’s on your bike rack, it’s important to note that you will still be required to pay your insurance deductible. Therefore, if you have a deductible of $500, any damages or the value of your bicycle must exceed $500! Insurance experts recommend only filing a claim if the damages are well over your deductible amount. If damages are $550, it may not be worth filing a claim since your insurance premium will be affected by the claim.
  • If you have an expensive bicycle, it may be worth it for you to purchase a floater to your insurance policy for extra protection.


Contact Idaho Insurance/Affordable Insurance in Caldwell for all of your Idaho auto insurance needs. If you have a bike rack on your car, we can help make sure that you have optimal protection.

Get a Quote or call for a quote at 208-459-0070