Bike and e-bike insurance in New Zealand Keep riding.
Cover for crashes, theft at home and away, and the bits in between.
E-bikes welcome.
E-bikes are all the rage, and so they should be. We are big fans, and we have designed our coverage with features that cater for e-bikes.
In New Zealand, an e-bike with a motor of 300W or less, that you have to pedal, is legally a bicycle.
When it goes sideways.
Pick what happened. Here’s how your cover handles it.
Included as standard
Crash while riding your bicycle
Accidents happen, but we’ll get you back on two wheels ASAP - and if we can’t repair damaged parts, we replace them. If you’d like protection while racing, we offer that as an optional extra.
Limits and exclusions apply. The policy wording has the detail.
What riders say
“Excellent experience. Immediate follow-up on all queries. Polite & informative.”
Local knowledge.
- 300W The e-bike line. Under it, your e-bike is legally a bicycle in New Zealand.Do you need a licence for an e-bike?
- 105 The police non-emergency line. Report a stolen bike there, or online, and keep the file number.My bike was stolen: what to do next
- WorkRide New Zealand’s ride-to-work benefit scheme, for people who commute by bike.WorkRide explained
529 Garage is a community initiative supported by Sundays Bicycle Insurance.
Register your bikeThe numbers.
- $300 excess per claim event, shown on your certificate
- 90days of cover outside New Zealand, as an optional extra
- $10k for accessories and spare wheelsets, as an optional extra
- $500 race entry back with racing cover, if a covered injury stops you
Limits, conditions and exclusions apply. Check the policy wording.
New bike day.
Just got a new bike? Celebrate with 30 days of cover on us. Conditions apply.
See how it works
Read before you ride.
All guides
Questions.
All questionsDo I have to pay anything if I claim?
Your excess will be listed on your Insurance Certificate. If your claim is approved, a fixed excess for each loss event of $300 will apply.
Are there any restrictions on Sundays Insurance?
In order to be eligible for coverage under this policy, you must be:
- Over the age of 18
- Ordinarily reside in New Zealand
- Not be a sponsored or professional cyclist
You and the bicycle must be in New Zealand at the time of taking out the cover.
The bicycle can be used recreationally only, and commercial use of bicycles for purposes that include courier, food delivery, transport, or bicycle rental/charter schemes (even if the bicycle is used part-time for commercial use) are not eligible for cover.
Bicycles ridden by a person who earns the majority of their total income from riding bicycles, and we therefore deem to be a professional cyclist are not covered under the Sundays policy.
What is the difference between a custom part and an additional accessory?
At Sundays Insurance, we define a ‘custom part’ as a part or component you’ve fitted to your bicycle as a replacement to, or in lieu of, a manufacturer-supplied part. It must be listed included in the total sum of your insured bicycle.
So if you swap out the wheels that came with the bike for a set of your choice, this is considered a custom part and should be included in the bike’s listed value.
An ‘accessory’, on the other hand, is any additional piece of equipment that is added to your bicycle, but which isn’t a permanent feature. Accessories might include GPS computers, mounts and pannier racks, as long as the bike didn’t come with them already attached.
You do not need to specify the itemized accessories on your policy, but proof of ownership is important when it comes to claiming. We recommend you store your receipt safely, or take a photo of it and send it to yourself for safekeeping.
Are my accessories or additional wheelsets covered if I loan them to a friend?
No, we don't cover your accessories or wheelsets while they’re being used by anyone but you. Remember, we only cover these items if they form part of your insurance policy and are damaged or stolen in a covered loss or when claimed for when used in conjunction with your bike or while in transit for use with your bike.
Are my bicycle accessories and additional wheelsets covered?
Yes, if you choose an optional benefit that provides cover for accessories and wheelsets. You can add all sorts to your policy – like a GPS computer, cycling-specific kit or your helmet – you can choose to insure accessories up to a total value of $10,000.
You can also add additional wheelsets to your policy.
Alternatively, you can give us a call on (09) 886 6600 or email us at hello@sundaysinsurance.co.nz
and we'll add them for you.