Straightforward crash protection for commuters, e-bike riders, and anyone with a bike worth protecting.
How it works
Simple. Repair-first. Honest.
No runarounds. We cover crash damage and get your bike fixed fast.
01
Pick your tier
Choose a plan based on your bike's value. Prices start at $12/month.
02
Ride with confidence
Crash coverage from your first day. Document your bike at signup.
03
File a claim
Submit photos and an estimate. We work with approved shops to get you back on the road.
04
Get repaired
Repair-first model. Your deductible applies, and we handle the rest.
Be a Founding Rider.
Get early access and 10–15% off standard pricing when we launch.
You’re on the list — we’ll be in touch.
Who we’re built for
Maine cyclists with real bikes.
If you’d struggle to cover a major repair out of pocket, this is for you.
🚴
Daily commuters
Portland corridors, bike lanes, mixed terrain — crashes happen.
⚡
E-bike owners
High-value bikes with motors and batteries that are expensive to replace.
🛡️
$2k+ riders
Anyone whose bike cost enough that damage would genuinely hurt.
Coverage plans
Three tiers. One focus.
All plans are collision-first. We cover crash damage, work with approved shops, and keep claims honest.
Essential
Essential
Bikes valued $1,500–$2,999
$12–16/month
$250 deductible
Crash and collision damage
Frame, fork, wheel, drivetrain
Repair-first claims model
Payout capped at bike value
Transport/drop damage
E-bike motor evaluation
Priority claims handling
Most popular
Plus
Bikes valued $3,000–$4,999
$18–24/month
$350 deductible
Crash and collision damage
Frame, fork, wheel, drivetrain
Repair-first claims model
Payout capped at bike value
Transport and drop damage
E-bike motor evaluation
Priority claims handling
Premium
Premium
Bikes valued $5,000–$8,000
$28–40/month
$500 deductible
Crash and collision damage
Frame, fork, wheel, drivetrain
Repair-first claims model
Payout capped at bike value
Transport and drop damage
E-bike motor evaluation
Priority claims handling
All plans require proof of purchase and serial number at enrollment. Claims must be reported promptly after an incident.
What we don’t cover
We keep it honest.
We’re collision-first. That means we’re upfront about what’s not included at launch.
Theft
Not covered at launch. May be added in a future phase.
Racing
Competition and sanctioned race events are excluded.
Cosmetic damage
Surface scratches without structural damage don’t qualify.
Low-value bikes
Bikes under $1,500 aren’t eligible — premiums don’t support viable payouts.
About us
Built in Falmouth, for Maine cyclists.
Waters Wheel Collision started with a simple observation: cyclists with serious bikes have no good options when it comes to crash protection. Home insurance doesn’t cover it well. Most “bike insurance” is theft-focused. And repair bills for a quality bike can run into the thousands.
We’re building a collision-first insurance product designed specifically for Maine’s cycling community — commuters, e-bike riders, and anyone who rides a bike worth protecting.
Repair-first
We fix bikes, we don’t just cut checks. Approved shops, honest estimates.
No fluff
Three tiers, clear pricing, no hidden exclusions buried in fine print.
Local first
Founded in Falmouth. Built around the communities that actually ride here.
FAQ
Common questions.
Don’t see your question? Reach out on the contact page.
Collision coverage pays for damage to your bike caused by a crash or accident while riding — things like a bent frame, broken fork, damaged wheels, or drivetrain damage from an impact. It’s not theft, it’s not general wear, and it’s not cosmetic scratches. It’s the damage that happens when you go down.
Report the incident quickly after it happens. You’ll submit photos of the damage, a description of what occurred, and a repair estimate from an approved shop. We’ll review and authorize the repair. Your deductible applies to the final payout.
You’ll need proof of purchase for your bike and your bike’s serial number. This helps us confirm value, prevent fraud, and process claims accurately. We may also ask for photos of the bike at enrollment.
Yes — e-bikes are eligible under all three tiers based on their value. The Premium tier includes motor and battery evaluation as part of the claims process. We may ask additional questions about your e-bike’s specs at enrollment.
We work with a network of approved repair shops. At launch in the Falmouth and greater Portland area, we’ll be building this network with local shops. In some cases we may be able to work with a shop outside the network — contact us to discuss.
We’re currently in the formation and licensing phase. We expect to begin enrolling Founding Riders in the coming months. Join the waitlist to get early access and a discount on your first year.
We’re launching with a focus on southern Maine — Falmouth, Portland, Yarmouth, and surrounding communities. We plan to expand statewide. If you’re outside this area, join the waitlist and we’ll notify you when coverage reaches you.
Contact
Get in touch.
We’re just getting started.
Have a question about coverage, want to partner with us as a bike shop, or just want to say hello? We’d love to hear from you.
We’re a small team in Falmouth, ME — we read every message.
