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How to choose bicycle insurance [2021 edition]

Last Updated 2021.02.08

How to choose bicycle insurance

Bicycle Insurance Header
If you're riding a road bike, take out bike insurance just in case.
The amount of compensation due to bicycle accidents has become expensive, and bicycle insurance has been attracting attention recently.
In Brevet, personal liability compensation is recommended to be 100 million yen or more.
If you usually ride a road bike even if you are not a Brevet, it is also important to take out bicycle insurance and be prepared in case.

Why take out bicycle insurance?

The number of accidents between cyclists and pedestrians is on the rise.

Bicycles, including road bikes, are classified as light vehicles, so they travel on the basic roadway, but in the case of roads where bicycles cannot travel, they will be driving on sidewalks.
Since pedestrians are given priority during sidewalk driving, if you collide with a pedestrian on a bicycle, the person who was riding the bicycle will become the perpetrator. Accidents involving cyclists and pedestrians increased about 1.5 times from 2000 to 2015.

There are cases of expensive compensation even in bicycle accidents

There is a precedent that a high compensation order of 92.5 million yen was issued in 2013 due to a bicycle accident.
In addition, there are several other cases in which compensation claims of 10 million yen or more have been issued.
Even if it is a bicycle, the amount of compensation when an accident occurs is comparable to the time of an accident of a car or motorcycle.
If you cause a bicycle accident without insurance, you may fall into self-bankruptcy without being possible to pay compensation.

Do you have bicycle insurance?

There are quite a few people who ride expensive road bikes but do not have bicycle insurance.
Since road bikes have a faster speed range than ordinary bicycles, there is a high possibility that the damage when encountering an accident will be large. Therefore, bicycle insurance has recently attracted attention due to the popularity of road bikes.
The amount of compensation to the other party when causing an accident with a bicycle is also becoming expensive, and if you do not have bicycle insurance, you may be serious with expensive compensation claims.

Key points when choosing bicycle insurance

There are three main points when choosing bicycle insurance.

  1. Limit on personal liability compensation
  2. Is there a settlement negotiation agency service attached?
  3. Is the insurance covered by the person or his or her family?

Choose insurance with personal liability coverage of at least 100 million yen or more

What is the biggest point of riding bicycle insurance?

  • When you become the perpetrator of an accident, you are charged with a high amount of liability.

Even from the precedent of liability for past bicycle accidents, it can be said that at least 100 million yen or more of personal liability compensation is essential as insurance that can respond to high liability.

Check if the settlement negotiation agency service is attached

Recent bicycle insurance is mostly products that are equipped with a settlement negotiation agency service as standard, but it is also an important point in choosing bicycle insurance whether this settlement negotiation agency service is attached.
When an accident occurs, you will negotiate with the victim, but you can smoothly proceed with the settlement negotiation by having the insurance company act as the insurance company.
Some insurance companies have incidental services such as partial legal fees in addition to settlement negotiation agency.
I think that it may be seen as a point of choosing bicycle insurance whether such a service is attached.

Check if your insurance is for you or your family

Many insurance coverage is limited to the person or family type including the target to the family.
If riding a bicycle is only the person who joins the insurance, there is no problem with the person type, but if the family also seems to ride a bicycle, choose a family type and choose an insurance type that covers spouses and children.

There may be special insurance for cars

If you are riding a car, let's check if it covers accidents on bicycles with a special offer of voluntary insurance for the car you are enrolled in. Depending on the insurance, there is also insurance with a special offer that will compensate you for accidents in bicycles and daily life.
For details, please contact your automobile insurance company.

2021 Recommended Bicycle Insurance

When you search online with the keyword "bicycle insurance", various sites that compare bicycle insurance appear in search results, but most are comparison sites that include elements of advertisements that cause rewards when introducing insurance.
This site introduces bicycle insurance that can be recommended without loss or loss that has not been introduced with such an insurance company.

e-Joe "eCycle Insurance" kakaku.com on the net insurance-only plan: Tokio Marine & Nichidou

Plan name Insurance premiums
(1 year)
Amount of personal liability compensation Death and sequelae disability Hospitalization date amount Daily amount of hospital visit Settlement negotiation agency Other compensation
Plan C
(Person type)
2,940YEN Unlimited
(100 million yen outside Japan)
One million yen. Available
Plan B
(Person type)
4,580YEN Unlimited
(100 million yen outside Japan)
3 million yen 3,000 YEN Available Surgery insurance 30,000 yen
Plan A
(Person type)
6,920YEN Unlimited
(100 million yen outside Japan)
5 million yen 5000 Yen ¥1,000 Available Surgery insurance 50,000 yen
Terms and Conditions

Contract age: 18-69 Years old Enrollment time: 2 to 60 days before

Characteristics of insurance
  1. Unlimited personal liability coverage in Japan on all plans
  2. There is personal liability compensation of 100 million yen even in the event of an accident overseas. You do not need to take out overseas insurance when participating in overseas Brevet
  3. Because it is only for the kakaku.com of e-jo "e-cycle insurance" on the net, you can contract with the above conditions only at the time of application from kakaku.com
自転車保険の最安保険料・補償内容を徹底比較! 価格.com保険では、自転車保険の人気ランキングを確認し、ネットで簡単に加入可能。プランによっては契約者だけでなく、子供や家族全員の自転車事故での賠償やケガに備えることができます。加入が義務づけられた自治体も増えていますので、ぜひご検討ください。

Net de Insurance @ Cycle (Bicycle Insurance (Traffic Injury Type):Mitsui Sumitomo Insurance Co., Ltd.

Plan name Insurance premiums
(1 year)
Amount of personal liability compensation Death and sequelae disability Hospitalization date amount Daily amount of hospital visit Settlement negotiation agency Other compensation
C Course
(Person type)
3,990YEN 300 million yen 2.9 million yen 4,000 yen Available Surgery insurance 40,000 yen or 20,000 yen
Course B
(Person type)
5,320YEN 300 million yen 5 million yen 6,000 yen Available Surgery insurance 60,000 yen or 30,000 yen
Course A
(Person type)
7,230YEN 300 million yen 5 million yen 6,000 yen ¥1,000 Available Surgery insurance 60,000 yen or 30,000 yen
Terms and Conditions

Contract age: 18-69 Years old Enrollment period: 1 to 60 days before

Characteristics of insurance
  1. Personal liability compensation amount is 300 million yen for all plans
  2. Compensation for your own injuries caused by traffic accidents in addition to accidents while riding a bicycle
  3. The amount of insurance for surgery insurance is 10 times the amount of hospitalization for surgery received while hospitalized, and 5 times the daily amount of hospitalization for other surgeries
三井住友海上オフィシャルサイト。自動車保険、火災保険、傷害保険などを取り扱っています。このページでは、ネットde保険@さいくる(GK ケガの保険(交通傷害型))について紹介しております。

Insurance for bicycles Bycle:au Insurance

Plan name Insurance premiums
(1 year)
Amount of personal liability compensation Death and sequelae disability Hospitalization date amount Daily amount of hospital visit Settlement negotiation agency Other compensation
Bronze Course
(Person type)
3,790YEN 200 million yen 2.5 million yen
(Bicycle accident: 5 million yen)
4,000 yen
(Bicycle accident: 8,000 yen)
Available Surgery insurance 20,000 yen or 40,000 yen
(Bicycle accident: 40,000 yen or 80,000 yen)
Silver Course
(Person type)
6,410YEN 300 million yen 4,000,000 yen
(Bicycle accident: 8 million yen)
6,000 yen
(Bicycle accident: 12,000 yen)
1,000 yen
(Bicycle accident: 2,000 yen)
Available Surgery insurance 30,000 yen or 60,000 yen
(Bicycle accident: 60,000 yen or 120,000 yen)
Gold Course
(Person type)
12,300YEN 300 million yen 4,000,000 yen
(Bicycle accident: 8 million yen)
6,000 yen
(Bicycle accident: 12,000 yen)
2,000 yen
(Bicycle accident: 4,000 yen)
Available Surgery insurance 30,000 yen or 60,000 yen
(Bicycle accident: 60,000 yen or 120,000 yen)
Terms and Conditions

Contract age: 18-74 Years old Enrollment time: From the day to 30 days before

Characteristics of insurance
  1. Personal liability compensation amount of 100 million yen or more
  2. Accidents while riding a bicycle double death, sequelae disability, hospitalization compensation, and hospital visit compensation
  3. When it is difficult to drive on its own due to an accident, it is within 50 km with a bicycle road service
ドコモ・ソフトバンクなどauユーザー以外の方もお申込みOK!「自転車保険ネット申込ランキング第1位」!(保険市場ネット申込ランキング2020年度版)au損保の自転車保険Bycle(バイクル)なら<月々340円~>の保険料で自転車事故の保険金が<2倍>に!個人賠償責任は<最大3億円>さらに示談代行サービスと話題の自転車ロードサービス付きで安心!

2021 Bicycle Insurance Selection Summary

自転車保険の最安保険料・補償内容を徹底比較! 価格.com保険では、自転車保険の人気ランキングを確認し、ネットで簡単に加入可能。プランによっては契約者だけでなく、子供や家族全員の自転車事故での賠償やケガに備えることができます。加入が義務づけられた自治体も増えていますので、ぜひご検討ください。

To be honest, this insurance is too strong and other bicycle insurance will be hazy.
Even with the cheapest plan of the C plan, personal liability compensation is unlimited at 2,440 yen per year, and I think that it is the perfect insurance for those who are considering 100 million yen compensation and overseas Brevet for bicycle accidents overseas.
It is a bicycle insurance that can be recommended for everyone who usually rides a road bike even if it is not an overseas Brevet.

三井住友海上オフィシャルサイト。自動車保険、火災保険、傷害保険などを取り扱っています。このページでは、ネットde保険@さいくる(GK ケガの保険(交通傷害型))について紹介しております。

I think that personal liability compensation of 300 million yen for all courses is a safe compensation amount as of 2021.
It is a good point that even the cheapest plan of the C course comes with death/ sequelae disability and hospitalization insurance coverage.

ドコモ・ソフトバンクなどauユーザー以外の方もお申込みOK!「自転車保険ネット申込ランキング第1位」!(保険市場ネット申込ランキング2020年度版)au損保の自転車保険Bycle(バイクル)なら<月々340円~>の保険料で自転車事故の保険金が<2倍>に!個人賠償責任は<最大3億円>さらに示談代行サービスと話題の自転車ロードサービス付きで安心!

The characteristic of au Insurance is that the amount of personal liability compensation is from 200 million yen, but accidents caused by bicycles are characterized by incidental services such as death, sequelae disability, hospitalization, hospitalization, and surgery insurance doubling.
In addition, the bicycle road service can be supported by calling the road service from bases nationwide 24 hours a day, 365 days a year, so I think that it is a support service that is thank you for those who travel around the country by bicycle.

In this article, we listed three types of bicycle insurance, but various other insurance companies sell bicycle insurance products.
However, even though the annual amount is high, the amount of personal liability compensation is 100 million yen, and insurance premiums are cheaper because there is no incidental service.
If you are thinking of riding a road bike and joining bicycle insurance from now on, I think that there is no mistake if you choose from the three bicycle insurances in this article from the amount of personal liability compensation and incidental services that suit you.

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