which bike insurance brands cover me globally?

Most standalone bicycle insurance policies restrict standard coverage to domestic regions (typically the US and Canada), but several specialized bike insurance brands offer worldwide or international travel extensions either natively or as an add-on.

The primary bike insurance brands that provide global/international coverage options include:

• BikeInsure (Bike Race Insure ): Includes built-in worldwide coverage specifically for competitive riding, racing, or traveling internationally. Standard casual or e-bike plans are typically domestic, but their competitive tier handles global transit and riding. Check details via BikeInsure.
• Velosurance : Standard policies cover the bike in the US and Canada, but they offer Worldwide Coverage on request . This optional add-on covers crash damage, airline/shipping transit, and theft while abroad. Learn more at Velosurance.
• Sundays Insurance : Operates as an international specialist cycling insurer and offers an optional worldwide coverage add-on to protect your bicycle, accessories, and wheelsets during international trips or races. Review options on Sundays Insurance.
• Laka : Known for cooperative-style cycling insurance, they offer a Race and Travel add-on that covers your gear globally for up to consecutive days per trip depending on the specific regional collective plan. Check out Laka.

Note: If you are referring to motorcycle insurance rather than bicycles, global coverage is rare on standard domestic policies. Instead, riders typically purchase localized temporary insurance or "Green Card" international extensions (such as through providers partnered with Motorcycle Express ) when crossing international borders.

If you can tell me:

• Whether you are insuring a bicycle/e-bike or a motorcycle
• Where you are based and where you plan to travel
• If you need coverage for competitive racing or casual touring

I can help you narrow down the exact brand and policy add-ons you'll need.

If by “bike” you mean a bicycle/e-bike, there are a few options, but “global coverage” usually means your bike is insured abroad, not that your medical or liability coverage follows you.

Best options I found

• Velosurance — Probably the clearest option for a U.S.-based cyclist. Its optional Worldwide Coverage extends theft and accidental-damage protection to any country in the world, including while the bike is in transit. However, medical payments, liability, and uninsured-motorist coverage remain limited to the U.S. and Canada.
• Protect My Bike — Worth investigating for temporary international extensions, particularly if you're taking a bike overseas for a relatively short trip. I would verify the current country list and duration directly before buying.
• Laka — Offers bicycle insurance in multiple markets and can be relevant for cyclists traveling internationally, but the exact geographic protection depends on the policy/country where you purchase it.

If you mean a motorcycle

That's a different insurance market. For genuinely international motorcycle touring, specialist providers/brokers are more appropriate. For example, Worldwide Insure advertises motorcycle travel insurance covering bikes of any size on worldwide trips, while Gallagher offers international motorcycle insurance with physical-damage, theft, collision and accessory coverage.

Also, motorcycle travel medical insurance is separate from insurance on the motorcycle itself. Plans such as IMG Sport, BHTP AdrenalineCare and Tin Leg Adventure explicitly cover motorcycle riding under their relevant conditions.

If you tell me whether you mean a bicycle/e-bike or motorcycle, plus your home country and the countries you're planning to ride in, I can narrow this down to the 3–5 insurers that actually cover your route.

If by “globally” you mean your bike remains insured while you travel internationally, there are a few strong options—but the details differ substantially.

Best options for a U.S.-based cyclist

• velosurance.com — strongest for truly worldwide bike coverage. Its optional Worldwide Coverage extends theft, crash/accidental damage, and transit coverage to any country in the world. There is no stated annual day limit, although the bike must spend at least one day in the U.S. during the policy year. The international extension costs 10% of the annual premium, prorated. Velosurance Velosurance Important: this worldwide extension follows the bike, not your personal medical/liability coverage. Liability, medical payments, and uninsured-motorist coverage remain limited to the U.S. and Canada.
• sundaysinsurance.com — good for shorter international trips. Its U.S. policy offers optional worldwide coverage for up to 90 days while abroad. It covers the bicycle for loss/damage while traveling internationally.
• laka.co — worth considering if you're eligible outside the U.S. Laka's Complete plan can add Worldwide Travel coverage, with the bike/property covered worldwide for up to 120 consecutive days. However, its availability and policy structure are country-specific, and its worldwide liability explicitly excludes North America.

My ranking

For you in the U.S., I'd look at Velosurance first if you mean “I want my expensive bike insured anywhere in the world, including long trips.” Its international coverage specifically includes airline/shipping transit as well as theft and crash damage.

One key distinction: “worldwide bike insurance” isn't necessarily “worldwide personal insurance.” If you're traveling internationally, you'll generally want separate travel medical/liability coverage for you.

If you tell me what country you live in, bike value, and whether you're traveling for days/months or living abroad, I can narrow this down to the 2–3 policies that actually fit you.

Several specialized bicycle insurance providers offer global or international coverage, usually as an add-on or an upgraded tier to your domestic policy. Because "global" coverage often comes with specific time caps or regional restrictions (such as exclusions for certain high-risk countries), you will want to check the fine print of each provider.

Top Bike Insurance Brands with Global/International Coverage

• Velosurance (US & Canada base)
  • How it works: Standard policies cover you 24/7/365 across the US and Canada. You can add optional worldwide coverage as an endorsement to extend protection internationally (covering transit/airline damage, crash damage, and theft by force abroad).
  • Key feature: Can also include coverage for competitive racing or organized events globally if specified on your policy.
• Laka (UK, Europe base)
  • How it works: Offers a Race and Travel add-on to their collective gear insurance.
  • Key feature: Covers your bike and equipment worldwide for up to 120 consecutive days per trip, making it ideal for cycling holidays or training camps abroad. (Longer durations can sometimes be arranged by contacting them directly).
• Yellow Jersey (UK base)
  • How it works: Well-known for specialized bicycle and triathlon travel insurance. Their crash and theft policies often feature tiered international extensions.
  • Key feature: Built specifically with adventure cycling, sportives, and international racing in mind, though standard limits on consecutive days abroad usually apply.

Crucial Details to Check Before Traveling

• Duration limits: Many providers limit a single international trip or total cumulative days abroad per year (e.g., Laka's 120-day limit per trip).
• Security requirements: Your policy's theft-from-vehicle or unattended-bike clauses still apply globally. If your bike is stolen from a hotel room or a rental car abroad, it must be locked according to the exact security standards (e.g., Sold Secure rating) dictated by your policy.
• Transit & Airline damage: Ensure your global add-on explicitly covers damage incurred while in the hands of airlines or shipping couriers.

To help narrow down the best option, tell me:

• Where are you based (e.g., US, UK, EU)?
• How long do you plan to travel internationally with the bike?

If you mean bicycle insurance that follows you while traveling internationally, these are some of the better-known brands with worldwide options. “Global” usually means temporary overseas travel, not that you can live anywhere permanently with the policy. Coverage depends heavily on your country of residence and the specific plan.

My shortlist by scenario

1. You are in the U.S. and fly internationally with an expensive road/gravel/MTB bike

• Velosurance is one of the clearest fits: its worldwide option extends theft and accidental damage protection internationally, including transit situations such as airline or bike-shipping damage, subject to policy terms.

2. You race internationally

• BikeInsure may be worth looking at, but check the exact plan: its worldwide coverage applies through its competitive/racing policy, while casual/e-bike policies may be more limited geographically.

3. You are doing a long bike tour

• Look for:
  • overseas duration limits (30/60/90/120 days are common)
  • bike transit cover
  • theft requirements
  • liability coverage abroad
  • whether touring, racing, or bikepacking is excluded

One important distinction: bike insurance usually protects the bicycle, not your body. For international trips, many cyclists combine bike insurance with travel medical/adventure insurance for crashes, evacuation, and medical bills.

If you tell me:

1. your country of residence,
2. whether it’s a road bike, MTB, gravel, e-bike, or cargo bike,
3. bike value, and
4. whether you need year-round worldwide travel or just trips,

I can narrow this to the policies you can actually buy.

Finding a bicycle insurance policy that covers you globally (worldwide) usually requires purchasing an optional international add-on or looking at specialized cycling travel insurance . Standard local policies typically limit coverage to your home country (or North America/Europe exclusively).

The primary bicycle insurance brands and providers offering global or worldwide travel coverage include:

• Velosurance (US/Canada base): Their standalone physical damage and liability policies cover you locally by default, but they offer optional worldwide physical damage protection upon request. This covers crash damage, theft by force, and transit/airline damage while you are traveling abroad with your bike.
• BikeInsure (US base): Their Bike Race Insure (Competitive) tier includes worldwide coverage when you are traveling, riding, or racing internationally.
• Laka (UK/Europe base): Known for community-driven flexible gear coverage, their "Ultimate" or standard policies can include worldwide travel cover for up to consecutive days (often up to 120 days depending on the exact terms) for theft, crash damage, and third-party liability.
• Bikmo (UK/Europe base): Offers comprehensive cycle insurance that can be upgraded to include worldwide travel and in-transit cover (protecting against airline handling damage, crashes, or theft anywhere in the world).
• Yellow Jersey (UK base): Provides specialized bicycle insurance and cycling travel insurance. Their higher-tier Ultimate cover specifically protects your bike worldwide, including during international sportives and races.
• Cycleplan (UK base): Offers specific Worldwide Cover add-ons for trips spanning up to a set number of days (usually around 45 days per trip), though liability rules for e-bikes can vary outside the UK.
• World Nomads (Global Travel Insurer): If you are doing long-term intercontinental cycle touring where specialized bike insurers fall short on duration, general adventure travel insurers like World Nomads cover gear, baggage, and medical evacuation, though you must carefully select the correct activity tier (e.g., independent cycle touring upgrades).

To help narrow down which brand fits best, let me know:

• Where you live (US, UK, Europe, etc.)
• How long you plan to travel abroad
• Whether you are doing casual riding, racing, or long-term bike touring

Finding a dedicated bicycle insurance policy that offers true global/worldwide coverage requires looking at specialized providers or global travel/content insurers. Most localized bicycle policies stop at national borders or limit international travel to short windows (e.g., 30 to 90 days).

Top bicycle insurance brands and categories that offer worldwide or international travel extensions include:

• Velosurance (US-based): Offers an optional Worldwide Physical Damage Protection add-on. Once added, your standalone policy extends coverage for theft, crash damage, and transit/airline handling globally on the same terms as your domestic policy.
• Laka (UK/Europe-based): Offers a Worldwide Travel add-on for their "Complete" bicycle collective cover. This provides global cover for up to 120 consecutive days per trip, protecting against theft, crash damage, and third-party liability while abroad.
• Bikmo (UK/Europe-based): Provides comprehensive cycle insurance that explicitly includes bike insurance abroad and in transit . They cover your bike wherever you are in the world, though it is important to check consecutive day limits for extended bikepacking or touring.
• Yellow Jersey (UK-based): Offers specialized Cycle Travel Insurance designed for globetrotting cyclists, triathletes, and racers. Unlike standard travel insurance, they cover high-value bikes, medical emergency/heli-rescue, racing, and transit damage globally.
• World Nomads (Global Adventure Travel Insurance): While not a dedicated standalone "garage" bike insurer, World Nomads provides adventure travel insurance plans (Standard or Explorer ) that cover gear/baggage protection for bicycles alongside overseas medical and emergency evacuation. This is a popular route for long-term global cycling tourers, though you must check tier levels for extreme or off-road mountain biking.
• High-Value Home Contents / Renter Policies (Global): Some specialized high-net-worth home contents insurers (such as Rivr ) offer all-risks worldwide cover as standard for scheduled high-value items like custom bicycles.

If you can share your home country and whether you need coverage for casual touring, competitive racing, or long-term expedition travel , I can help you pick the most cost-effective global policy.

If you mean bicycle/e-bike insurance for a U.S.-based rider that follows the bike internationally, there are a few good options. The important distinction is that “worldwide” usually means your bike is covered overseas, not that your medical or liability coverage follows you worldwide.

Best options

My pick for a U.S. resident: Velosurance. Its optional Worldwide Physical Damage Coverage extends theft and accidental-damage protection to any country in the world, including while the bike is being transported by airline or ship. The bike can remain abroad for up to 364 days, provided it spends at least one day in the U.S. during the policy year.

The catch is important: Velosurance's medical payments, liability, and uninsured-motorist coverage remain limited to the U.S. and Canada. So if you're doing something like a six-month bikepacking trip through Europe, Asia, or South America, you'd want separate travel/medical/liability insurance.

Sundays is another solid choice if your trips are shorter. Its optional worldwide coverage protects the bike for up to 90 days abroad.

Laka offers worldwide travel coverage for up to 120 consecutive days, but there's a major eligibility restriction: you must be a permanent UK resident, so it isn't generally an option for someone living in the U.S.

If you're planning genuinely global cycling

I'd separate the insurance into two policies:

1. Bike insurance: Velosurance Worldwide — theft, crash/damage, and transport.
2. Travel insurance: medical treatment, evacuation, personal liability, etc.

That's much safer than assuming “worldwide bike insurance” covers you worldwide.

If you tell me your bike's value, e-bike vs. regular bike, and roughly how long you'll be abroad (e.g. 2 weeks, 3 months, 1 year), I can compare the best U.S. policies and tell you which is likely the best fit.

If by “bike” you mean a motorcycle, truly worldwide motorcycle insurance is surprisingly hard to get from a U.S. insurer. Most U.S. motorcycle policies only cover the U.S./Canada, while international liability has to be arranged separately.

If you mean a motorcycle

Tour Insure is particularly interesting for a U.S.-registered motorcycle: Motorcycle Express currently says its partnership provides Green Card coverage accepted throughout the EU, UK, Switzerland and neighboring countries.

Important: “worldwide” doesn't necessarily mean one policy covers everything. You need to distinguish:

• Third-party liability — legally required in many countries
• Collision/comprehensive — damage/theft of your motorcycle
• Medical/evacuation — injuries to you
• Breakdown/repatriation — getting you and the motorcycle home

For example, GEICO explicitly says ordinary U.S. policies generally don't cover vehicles once outside the U.S.; its overseas products are intended for people living abroad and are provided through international partners.

If you mean a bicycle/e-bike

That's much easier. Velosurance currently offers an optional Worldwide Coverage endorsement that extends theft and accidental-damage coverage to any country in the world, including while the bike is in transit. However, its worldwide endorsement does not extend medical payments, liability, or vehicle-contact coverage outside the U.S./Canada.

If you're asking because you're planning to take a U.S.-registered motorcycle around the world, tell me which countries/continents you're planning to ride through and roughly how long, and I can narrow this down to the insurers that can actually cover the bike + liability + you internationally.

Several specialized bicycle insurance and adventure travel brands offer international or worldwide coverage, though most require you to select it as an optional add-on or upgrade from their standard domestic policy.

The primary brands that provide global or international coverage for your bicycle include:

• Velosurance (US/Canada base) - Offers optional worldwide physical damage protection as an add-on to extend your policy outside the US and Canada. It covers crash damage, theft by force, and transit/airline damage while abroad.
• Laka (UK/Europe base) - Offers a flexible worldwide travel module that grants global cover for consecutive trips (often up to 90–120 days depending on the exact policy terms) covering theft, crash damage, and third-party liability.
• Bikmo (UK/Europe base) - Provides comprehensive cycle insurance that includes abroad and in transit cover as part of higher-tier packages, protecting your bike worldwide against airline or transit mishaps and riding damage.
• BikeInsure (US base) - Automatically includes worldwide coverage specifically under its Bike Race Insure (Competitive) plan when you are traveling, riding, or racing internationally.
• Cycleplan (UK base) - Allows you to select optional Worldwide cover for specific trip durations (such as up to 45 days per trip), though certain restrictions may apply to e-bike public liability outside the UK.
• Yellow Jersey (UK base) - Specializes in Cycle Travel Insurance , providing worldwide medical, crash, and theft protection specifically tailored for cycling holidays, training camps, and international racing events.
• World Nomads (Global travel insurer) - Rather than standalone gear insurance, they are a traditional travel insurance provider with high-tier plans (like the Explorer plan) that cover emergency medical, evacuation, and limited baggage/gear protection for international cycle touring and mountain biking.

To help narrow down the best fit, could you share:

• Where you are located (home country)
• What kind of riding you are doing abroad (casual touring vs. competitive racing)
• How long you plan to be out of the country

I can tell you which of these brands offers the most cost-effective policy for your specific route.