Bicycle insurance

Your hobby or simply a convenient and favourable means of everyday transportation - take care of your bicycle, yourself and those around you.

Your bike policy

Choose insurance based on the value of your bike and the sums insured of other insured risks.

What is insured?

Socially responsible insurer

BTA Baltic Insurance Company (BTA) is the insurance market leader in the Baltic States with the widest range of services that promote the development of innovative ideas. As a socially responsible company, BTA cares about the welfare and safety of society by supporting projects that facilitate innovation in improving safety, especially when it comes to children. BTA Velomaster is an excellent example of how inspiring projects arise from everyday situations, involving both the private and municipal sectors.

Social responsibility
Watch the story of "BTA Velozinis"

The most common insured events


The bicycle is damaged in a collision with a vehicle, pedestrian or a tree.


Bicycle wheel spokes damaged in a cycling accident.


A cyclist falls off a bicycle and sustains a leg or arm injury.


The bicycle was stolen from a supermarket, school, office or elsewhere. Remember! It is important that the bicycle has been locked to a stationary structure.

Civil liability

Damage to the health of a third party. We reimburse for medical expenses.

Cases when the insurance will not apply


The bicycle frame breaks due to corrosion or rust.


The bicycle was left unattended at the store and was not locked to any stationary structure.

Unreported theft

If in case of theft or robbery, no report has been submitted to the police.


Losses are not compensated if traffic rules are violated.

How to apply for insurance indemnity?


Prepare information about the bicycle, its brand, model and photos from the site of the accident.


Apply for indemnity by phone +371 26 12 12 12 or by sending information to e-mail, specifying your contact information so that we can contact you.


Provide information about the accident, its location, time and describe what happened.

Insurance terms and conditions and product information document

Frequently asked questions

BTA Bike policy is an insurance service for natural persons – lovers of bicycles or cycling.

Please note that the insurance cover under the BTA Bike policy is not valid when performing economic activities with the help of a bicycle, for example, providing bicycle courier or bicycle rickshaw services.

When purchasing bike insurance, you should consider the following:

  • Property insurance protection (insured risks – total destruction or theft, repair costs) is valid for the bicycle specified in the policy. On the other hand, accident and civil liability insurance is valid for the person who is indicated as the insured person;
  • When travelling by bicycle, you must follow the Road Traffic Rules.

The policy is valid within the territory of the member states of the European Economic Area and the United Kingdom.

On the BTA website, it is possible to purchase separate policies for each bicycle, adding a single cyclist as an insured person to each bicycle insurance policy, so that in the event of an accident, the cyclist is covered both by the accident and the civil liability insurance.

For example, if you want to insure your sports bicycle and your child’s bicycle- complete the bicycle insurance application for your sports bicycle online and add yourself as the insured person. For the child, complete a second bicycle application and indicate the child as the insured person. Both bicycles will be insured; in addition, you and the child will be insured in the event of an accident; moreover, all of you will be insured for civil liability in case of damage to a third party.

Do you want to include all bicycles and insured persons in one policy? Contact us +371 26 12 12 12.

With the BIKE PLUS policy, it is possible to insure: scooters, electric bicycles, electric scooters, Segways and other electric means of transportation whose maximum speed does not exceed 25 km/hour, whose mass does not exceed 25 kg and the power of the electric motor does not exceed 250 W. It is also possible to insure skis, snowboards, skates, SUP boards, windsurfing equipment, wakeboarding equipment, kayak, canoe. To insure the above equipment, contact BTA +371 26 12 12 12.

For your safety, the bicycle should be registered with the Road Traffic Safety Directorate (CSDD); however, it is not mandatory for acquiring the Bike policy.

The person specified on the insurance policy, while travelling by bicycle.

The policy is valid throughout the year.

If an accident has occurred, proceed as follows:

  • In case of theft, robbery or traffic accidents, the incident must be reported to the police.
  • In case of injury, seek medical help.
  • Report the incident to BTA at +371 26 12 12 12 as soon as possible and, if possible, take photos of the site of the accident.


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Insured risks

We at BTA, indemnify traffic damage caused by the party who has taken out motor insurance and the cost of medical treatment for third parties (owners of other vehicles, cyclists, pedestrians) and damage to property of third parties.




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