Sundays Bike Insurance review

Updated September 29, 2026 · AssureCue Editorial Team · Facts checked September 28, 2026

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Our verdict

Sundays Bike Insurance suits riders who want dedicated bicycle cover with monthly billing and clear limits. Premiums of $8 apply with cover of $21,500, while claims and support stay reachable by phone, email and chat for everyday cycling needs.

Key facts

Best for
Riders seeking dedicated bicycle cover with monthly billing.
Premium from
$8 (Source, checked September 28, 2026)
Insurance types
Bicycle (Source, checked September 28, 2026)
Provider type
Broker (Source, checked September 28, 2026)
Monthly payments
Yes (Source, checked September 28, 2026)
Excess from
$150 to $350 (Source, checked September 28, 2026)
Cover limit
$21,500 (Source, checked September 28, 2026)
Claims channels
Online form, Phone, Email (Source, checked September 28, 2026)
Legal entity
Sundays Insurance LLC (Source, checked September 28, 2026)
Headquarters
United States (Source, checked September 28, 2026)
Support channels
Email, Phone, Chat, Help-centre (Source, checked September 28, 2026)
Pricing model
Monthly
Official website
sundaysinsurance.com

Pros and cons

Pros

  • Dedicated bicycle cover with bicycle, ideal for riders who want cycling specific protection.
  • Cover of $21,500 suits valued road, mountain and electric bikes used daily.
  • Premiums of $8 give a clear entry point with monthly payments available.
  • Support through email, phone and chat gives email, phone, chat and help centre choice, wider than many niche brokers.
  • Licensed broker with CA #0K60995 and NY #1405598, helpful next to unlicensed comparison pages.

Cons

  • Excess of $150 to $350 applies on claims, so small repairs may fall to you.
  • Cover is limited to bicycle, so riders wanting wider household cover may look at durchblicker.at.
  • Broker cover means terms are set by underwriters behind Sundays Insurance LLC Sundays Insurance LLC, which some riders may dislike.
  • Premiums of $8 can rise with bike value and options, unlike flat comparison results from Ulygo.
Sundays Bike Insurance

Ready to try Sundays Bike Insurance?

Scored 8.9 / 10 by AssureCue.

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Who it suits

  • Commuters and club riders who want bicycle only cover with monthly billing.
  • Owners of valued bikes who want cover of $21,500 in clear terms.
  • US riders who prefer a licensed broker over a general comparison site like durchblicker.at.

Who should look elsewhere

  • Riders wanting bundled home and bike cover in a single place may prefer durchblicker.at for wider comparison.
  • Readers wanting general personal cover rather than bicycle only cover may prefer andsafe.

Cover and limits

You get protection built around cycling rather than an add on to another policy. The focus is described by bicycle, so theft, damage and riding risks sit at the centre of the wording. That focus helps you compare like with like when you shop for bicycle protection. The ceiling for insured value is cover of $21,500. That ceiling matters when you ride a valued road bike, a mountain bike with upgraded parts, or an electric bike where battery and motor lift replacement cost. You can use the ceiling to check if your frame, wheels, accessories and declared extras fit inside the allowed value. If your setup sits near the ceiling, review how parts, accessories and depreciation are treated in the wording. Everyday examples include commuting through the city, weekend club rides, trail riding, and travel with the bike on a car rack. For all these uses, matching declared value to receipts and photos helps avoid dispute at claim stage. Because the cover is bicycle specific, exclusions, lock needs, and storage rules are written in cycling language rather than general household terms.

Who regulates the provider

Sundays Insurance LLC arranges cover as broker, described by broker. That means it helps you buy and manage the policy, while the underwriter named in your documents carries the insurance risk. Broker status is common for specialist cycling brands and shapes how advice, wording and servicing work. Oversight comes through state licences, including CA #0K60995. A further licence is held as NY #1405598. These licences allow the business to distribute insurance in those states and set expectations for handling of money, complaints and disclosures. You should read the policy schedule to see the underwriter, the insured value, the excess, and the territorial scope. State rules can affect cancellation terms, renewal notices and complaint routes. If you move between states, tell support so cover, billing and documents stay correct. Keep licence details with your policy pack so you can refer to them when you contact support or raise a concern.

Price signals

Pricing starts with premiums of $8. Your quote will move with bike value, cover options, excess choice and where the bike is kept and used. Higher insured values and broader options tend to lift the monthly amount, while a higher excess can lower it. The excess is shown as excess of $150 to $350. You pay this share when a claim is settled, so consider how it compares with repair bills for wheels, gears, frames and electric parts. Monthly payments are available, which lets you spread cost across the year rather than paying in a lump sum. That structure suits riders who budget month to month or who insure during the main riding season and want billing to stay predictable. It also helps households with several bikes to manage outgoings. To compare value, look beyond the headline premium and weigh excess, insured value, lock and storage needs, and claim routes. A low premium with a high excess may cost more after an incident than a slightly higher premium with a lower excess. Ask support to explain how changes in declared value affect both premium and excess before you confirm.

How your money is protected

Your money handling reflects broker status, shown by broker. Premiums are collected under the terms in your policy pack and passed under binder and agency agreements with the underwriter. Your documents set out cooling off, cancellation, refund and missed payment rules, so read them before the start date. State permission is evidenced by CA #0K60995. There is also provision under NY #1405598. These permissions mean the broker meets state standards for selling and servicing policies, handling complaints, and giving clear disclosures. They do not change the insured value or remove the excess on a claim. To stay protected, keep your schedule, wording, payment receipts and renewal notices together. Tell the broker about address moves, bike sales, upgrades and changes in storage, as these can affect cover and price. If a payment fails, contact support promptly to avoid a gap in protection. If you disagree with a decision, use the complaints path in the wording, then the state route described in your documents.

The company behind it

The business behind the brand is Sundays Insurance LLC, shown by Sundays Insurance LLC. It operates as a specialist bicycle broker rather than a general insurer, which explains the narrow product range and cycling centred wording. Day to day base is in the US, shown by US. That base shapes support hours, payment methods and policy language, while state licences define where it can sell. Help is available through email, phone and chat. You can use these routes for quotes, mid term changes, billing queries and claim updates. The help centre suits simple queries about cover, locks and documents, while phone and chat suit urgent needs such as a theft report or travel deadline. Email leaves a written trail for value changes and complaints. Regulatory footprint includes CA #0K60995. It also includes NY #1405598. Keep these details with your policy number when you write or call, and note dates, names and advice given. Clear records help if you later query billing, cover changes or claim handling.

How Sundays Bike Insurance compares

Where Sundays Bike Insurance is available

Available
United States
Licence in United States
California Department of Insurance (CA #0K60995), checked September 28, 2026
Licence in United States
New York State Department of Financial Services (NY #1405598), checked September 28, 2026

Countries from the brand (Source, checked September 28, 2026)

Frequently asked questions

What does Sundays Bike Insurance cover?+

Sundays Bike Insurance focuses on bicycle cover, described by bicycle. Cover of $21,500 is available, so you can match protection to the value of your bike and accessories. Check the policy wording for exclusions and conditions before you buy.

How much does cover cost and how do payments work?+

Premiums of $8 are listed as the entry point, with actual cost based on bike value, cover choices and excess. Excess of $150 to $350 applies if you claim. Monthly payments are available, which helps you spread the yearly cost across the year.

Is Sundays Bike Insurance regulated and safe to use?+

Sundays Insurance LLC Sundays Insurance LLC acts as broker, so it arranges cover rather than carrying the risk itself. It holds licences CA #0K60995 and NY #1405598. Your policy documents name the underwriter and explain claims and cancellation rights.

How do you make a claim?+

Claims can be started through online form, phone and email. You can report theft, damage or loss, then follow the guidance to provide proof, photos and receipts. Keeping purchase records and photos of your bike helps the claim move smoothly and avoids delay.

How can you contact support?+

Support is offered through email, phone and chat. You can ask about quotes, policy changes, billing and claims through those routes. The business is based in the United States, so allow for local hours and public holidays when you contact the team.

Who is this cover right for?+

Sundays Bike Insurance suits riders who want bicycle only protection with monthly billing and a defined cover ceiling. Cover of $21,500 fits commuters and enthusiasts with valued bikes. If you want household or liability cover in the same place, andsafe or durchblicker.at may fit better.

Can you pay monthly?+

Yes, monthly payments are available, which suits riders who prefer to pay across the year rather than in a lump sum. Premiums of $8 show the entry level, while your quote reflects bike value and choices. You can manage billing through support on email, phone and chat.

Sources

Compiled from 5 source pages, checked September 28, 2026. We did not open an account.

Sundays Bike Insurance

Sundays Bike Insurance

Riders seeking dedicated bicycle cover with monthly billing.

8.9/10See alternatives

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