Insurance for your Sports Equipment

Looking for sports insurance to protect your equipment? Look no further! Our comprehensive coverage includes bicycle insurance in BC and sports insurance throughout Canada. Safeguard your gear today.

Adventure sports enthusiast riding bike in BC covered by sports insurance offered by InsureBC.

Sports Equipment Insurance

InsureBC is the first broker in BC to offer Sports Equipment Insurance to our clients. We’ve made the buying process so simple, it will take you less than 3 minutes to purchase via our website, or through any of our 90 locations across BC.

This is a great product for those who are looking to insure their expensive road bikes, sports bikes, race bikes, hybrid bikes or any bicycle that falls outside the limit of a regular home (house, condo and tenant) insurance policy. Sports bikes, for example, have gained in popularity and even the cheapest sports bikes need insurance. The same considerations should be made when looking for the best skis or snowboarding insurance options out there.

Whether you are a bicycle enthusiast, a snowboard junkie or even a casual paddle boarder, our Sports Equipment policy will make sure your equipment is covered should something happen to it. People looking for bicycle insurance in Canada are more common than ever before. With the number of bicycle thefts on the rise in Canada, there is a definite need for bike insurance, to prepare people for the worst. Numerous sports organizations are now encouraging their members to insure their equipment.

What makes this policy unique, is that should anything happen to your sports equipment and you need to file a claim, doing so won’t affect your current discount level or rates for your property (home, condo, renters) insurance. For example, you won’t see your home insurance rate jump up next year, because your bike was stolen.

Golfer preparing to hit ball on beautiful course being fully protects with insurance for their equipment.

What’s Included in Sports Equipment Insurance?

Our Sports Equipment Insurance policy will pay to cover repairing, reinstating or replacing your activity equipment, clothing and personal effects with items of the same or similar specification following a loss, theft or even accidental damage. Keep in mind that the minimum value of your Sports Equipment must be $100.

Protection against damage or loss of equipment due to accidental events
Protection against theft and vandalism
The option of replacement cost coverage
Convenient Claims Process: An easy and efficient claims process for prompt and fair settlement of claims.
Coverage for a wide range of sports equipment, including but not limited to: golf clubs, skis, bikes

Should You Buy Sports Equipment Insurance?

Take a good look at all the sports equipment you own. Is it covered should any of the items get stolen or break down? Secondly, make sure you check your regular home insurance policy to see whether it covers your bicycle, skis, canoes, kayaks, snowboards, surfboards, windsurfer items, paddleboards, or golf clubs. While some of these items are covered in your home (homeowner, condo, tenant) policy, most are not or the limits on these items are quite low.

That’s where this product would apply. As a stand-alone product, filing a claim won’t affect your own home insurance policy. Unlike a travel insurance policy, however, which covers emergency medical, including medical expenses, Sports Equipment Insurance insurers your equipment, but not yourself and your health, should you be involved in a sports accident.

This insurance will cover you up to the policy limit you select to repair, reinstate or replace your sports equipment and personal effects (less depreciation).

Get Sports Equipment Insurance Online

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How Much Does Sports Equipment Insurance Cost in BC?

We are the only insurance brokerage in BC to carry this product and it can only be purchased online via our website or through one of our 90 locations across BC. The cost to insure your sports equipment depends on a number of variables including the value of the equipment, your personal effects and any related clothing you may wish to add to the policy. In general, the coverage is very inexpensive and starts as low as $25 per year.

Customer Testimonials

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Frequently asked Questions

What types of equipment can I insure?

We insure a variety of sorts equipment, including bikes, canoes, kayaks, skis, snowboard, surfboards, windsurfers, paddle boards, golf clubs and more.

Can I buy sports equipment insurance online?

Yes! While our 90 locations across BC can assist you with purchasing Sports Equipment Insurance face-to-face, our Online Tool will instantly provide you with a quote and the ability to purchase a policy for your equipment, 24 hours a day, effective immediately. We are the only insurance provider in BC to offer Sports Equipment Insurance as part of our various insurance programs.

Do you insure e-bikes?

Our self-serve online policy only provides coverage for pedal pikes, however we have a separate e-bike policy that can be purchased. If you contact us at 778-945-2761 or email, we will get your e-bike covered. Please note, the maximum watt allowance is 500W.

I keep my bike in my backyard or at a stand outside of my condo building overnight. Is this covered?

At night bikes must be kept locked and secure INSIDE a building. This means that they have to be locked inside your home, condo, or a secure condo bike room. During the day the bike can be outside, however it must be locked and secure.

Looking to File a Claim?

Our dedicated claims department is committed to making the claims process as smooth and stress-free as possible. Whether you need to file a claim for your home, vehicle, or business, we have the expertise to guide you through the process.