What does a bike lane take off your premium?

An interactive toy from the analysis. It shows the part most people get wrong: the safety credit is mostly already in your postcode. The only thing an explicit infrastructure model adds is speed, and you can watch that edge decay below.

Infrastructure on the street

Years since it was built 0

Just openedLong-standing

Annual bodily-injury premium ($)

Illustrative premium with what an explicit model adds today

$1,500

Of the 0% severity credit this lane earns on cyclist claims:

Already in your postcode 0% Added by an explicit model 0%

Assumptions (editable)

Protected-track severity relativity (cyclist claims) Painted-lane severity relativity Cyclist-involved share of BI losses (%) Years for territory rating to fully catch up

Severity relativities are point estimates from a Toronto open-data proof-of-concept (protected ~0.83 is the robust headline; painted is noisier). The "already in your postcode" share grows with time because territorial rating absorbs realised loss experience: the cross-sectional infrastructure signal, net of postcode, was ~0 in the data. Illustrative only; not an insurance quote.