Why choose Velosurance for your bicycle or e-bike
14+ years protecting riders
Founded by two lifelong cyclists in 2012 and insuring riders in all 50 states ever since.
Comprehensive coverage
Theft, crash damage, and transit loss in one policy, plus optional liability, medical gap, and uninsured motorist.
Stellar Google reviews
Riders rate Velosurance 4.9 out of 5 across 253 Google reviews.
Lightning-fast claims
We make it our mission to see that your claim check arrives before the repair parts do.
What is Velosurance?
Velosurance is a bicycle insurance specialist founded by two lifelong cyclists. Our multi-risk policy is underwritten by Markel American Insurance Company, an A.M. Best A-rated insurer and a leader in recreational insurance, and is available in all 50 states and Washington, DC. Commuters, racers, mountain bikers, cargo-bike families: the policy is built for how cyclists actually ride.
Most bike insurance stops at the bike. A truly comprehensive policy protects three things: the bike, the rider, and the people around them. Velosurance covers your bike against theft, crash damage, and loss in transit, then lets you add what an equipment-only policy can't: liability coverage if you injure someone, medical gap payments for your own injuries, and uninsured motorist protection for when a driver hits you and can't pay. All of it in one policy.
We cover all types of bikes
Whether you ride the tarmac or shred the gnar, dodge pedestrians, or cruise the beach, you're a member of a special club of people who appreciate the world in a primal way – on two wheels. To keep you rolling, we address the specific risks associated with your discipline.
Road bikes
Light and aerodynamic, equipped with skinny tires and optimized for long days in the saddle.
E-bikes
Electrically-assisted Class 1, 2, and 3 e-bikes with maximum assisted speed of up to 28 mph.
Commuter bikes
Simple, reliable bikes designed specifically for urban environments.
Mountain bikes
Rugged, resilient, and incredibly fun. Equipped with suspension and designed to offroad, tackle technical terrain and jumps.
Gravel bikes
Drop bar bikes capable of going on both pavement and unprepared terrain, even mild singletrack.
Triathlon bikes
Exceptionally aerodynamic and lightweight, these speed machines are designed with one goal in mind: go fast.
Trikes
Three-wheeled bicycles are known for additional stability and versatility.
Recumbent bikes
Two and three wheeled bikes with a leisurely leaning back seating position.
Cargo bikes
The SUVs of the two-wheeled world, these bikes are designed to carry heavy loads, including groceries and passengers.
Comprehensive Coverage
Theft and accidental damage form the foundation of every policy, covering the most common and costly risks cyclists face. This basic coverage also extends to riding gear, permanently attached accessories, and select spare parts, helping protect more than just the bike itself. From daily commutes to weekend rides and travel days, these protections address the real-world ways bikes are used and exposed to risk. By adding optional coverages with limits tailored to your riding habits and personal risk tolerance, you can build a comprehensive umbrella of protection designed to match your lifestyle on and off the bike.
Theft and Accidental Damage
Theft and crash damage are the two risks cyclists worry about most, and for good reason. Bikes are stolen every day from homes, cars, workplaces, and public racks, and accidents can happen anywhere from busy roads to quiet garages. A single incident can mean thousands of dollars in unexpected loss. Theft and Accidental Damage coverage is a core part of the policy and protects your bike if it is stolen from a locked location, damaged in a crash, or lost or harmed while in transit, so a single incident does not derail your riding or your finances.
Third-party Liability Coverage
If you ride anywhere near pedestrians, other cyclists, or cars, liability insurance is a smart move. It only takes a split second — a distracted pedestrian steps into your path, or you miss a car door swinging open. And even if it wasn’t your fault, you could still end up facing a lawsuit. That’s where third-party liability comes in to protect you if you're held responsible for injury or property damage while riding. When the risk is high, third-party liability coverage offers the peace of mind you need to ride with confidence.
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Medical Gap Payments
Health insurance often leaves cyclists responsible for thousands in out-of-pocket costs after a crash. High deductibles, co-pays, and co-insurance can apply long before coverage fully kicks in. Medical Gap coverage is designed to help close that gap by reimbursing eligible medical expenses tied to a cycling injury, including emergency care, imaging, specialist visits, and follow-up treatment. By paying you directly and operating separately from your health plan, this coverage helps reduce or even eliminate the immediate financial burden of an unexpected cycling accident.
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Uninsured Motorist Coverage
Even the most cautious riders can be hit by drivers who are uninsured or underinsured. When that happens, cyclists are often left with medical bills, lost income, and long recovery periods with little financial support from the at-fault driver. Cyclist-specific Uninsured Motorist coverage helps close that gap. It can assist with medical expenses, rehabilitation, mental health support, lost wages, and other accident-related costs when a driver cannot fully cover the harm they cause. This protection is built for real-world riding where traffic risks cannot be avoided.
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International Coverage
Taking your bicycle abroad introduces risks that standard insurance often does not cover. International Bike Insurance extends your existing physical damage protection to any country in the world while riding, transporting, or shipping your bike. It can help protect against theft, crash damage, and loss or damage during airline or vehicle transport. Designed specifically for cyclists, this coverage addresses the real-world risks of traveling with high-value bicycles. It helps ensure that a damaged or stolen bike does not derail a training camp, race, tour, or once-in-a-lifetime cycling trip.
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Racing Coverage
Competitive cycling introduces risks that most traditional insurance policies exclude. High speeds, tight pack dynamics, and unpredictable crashes can leave expensive equipment damaged or destroyed in an instant. Racing Coverage is designed to protect bicycles used in criteriums, road races, and other organized competitive events. It can help cover crash damage or total loss that occurs during racing, training events, or travel to and from competitions. For cyclists who train and race on high-value equipment, this coverage helps ensure that a single crash does not end a season or create a major financial setback.
Read more →Coverages and Features
Velosurance offers must-have protection such as accidental damage, theft, or loss in transit. Each policy can be customized by adding additional coverages such as liability protection, uninsured motorist, and medical payments. Select any coverage to see the details.
Bicycles are very easy to steal and equally difficult to recover, and even a hefty U-lock doesn’t guarantee your bike is still there when you return. Velosurance provides peace of mind if it is stolen or damaged in the process.
Our policy will pay to replace your ride if it is accidentally damaged and beyond repair, including damage that occurs while being carried on or in your vehicle. If it can be repaired, we will pay all the costs associated with the bike's repair, including tax, labor, and shipping, minus the deductible. Cosmetic damage that does not affect safety is excluded.
Our policy optional coverage purchase will protect and defend you from your personal liability (injury, sickness, death, or damage to property, including fire damage) that you are found legally liable for. Coverage limits offered: $25,000, $50,000, $100,000, $300,000 or $500,000 per occurrence.
E-bike liability insurance →If you’re hurt and require medical attention, our optional medical gap will take care of your medical bills, up to the selected limit. The payments are paid directly to you to supplement the deductible of your personal health insurance policy.
Medical gap insurance →Depreciation is a hidden deductible that increases every year and is applied if the bicycle is stolen or totaled. No one is ever happy with an Actual Cash Value insurance settlement: the bike is first devalued, and then a deductible is applied, resulting in a reimbursement that is far less than the cost of a replacement. We reimburse without depreciation, for the cost of a replacement that is of like, kind, and quality similar to your totaled bike.
One of the scariest things that can happen to a cyclist is getting hit by a car. This coverage will pay for medical expenses, physical therapy, mental health services, lost wages, and other expenses that arise from a bicycle-car accident.
Uninsured motorist insurance →We cover all electrically assisted Class 1, 2, and 3 bikes with a maximum assisted speed of 28 mph. All protections available for conventional bicycles also apply to electric ones.
E-bike insurance →Bikes often get damaged in transit by personal vehicles, airlines, or courier services. Filing a claim with the airlines and courier services is a notoriously difficult process with a questionable outcome. We cover the insured bicycle for loss or damage while it's on its way to or from your destination by air or road. Even if it falls off a vehicle rack or is hit in a rear-end accident, it is covered, no arguments.
Bicycle travel coverage →If you go down in a crash, we cover your ride as well as your apparel, such as helmet, shoes, glasses, or riding kit that are torn up, and pay up to $500 per accident and $1,000 per term. Spare parts that are not installed, such as a spare wheelset, are also covered up to $500 per loss and $1,000 per year.
Our policy does not piggypack on any coverage you may already have, such as homeowners policies. Filing a claim won’t impact your rates with other carriers. With home insurance premiums rising each year in the U.S., it’s wise to reserve that policy for major incidents, because no matter how valuable your bike is, it’s still a lot cheaper than a kitchen fire or a flooded basement.
We cover the insured bike at all times, anywhere in the USA and Canada, and can be extended worldwide on request. There are no exclusions on the time of day or limitations on how long it can be stored away from home. 24/7/365 means every minute of every day, no matter where or when.
In the heat of a race, the focus on speed often outweighs concerns for safety, leaving little margin for error. If you go down in a crash, this optional coverage takes care of repairs or replacement. If you use your bike in a competitive environment, this is a no-brainer because it offers protection in the highest-risk category.
Bicycle racing insurance →If your travels take you beyond the USA and Canada, for a small additional premium, this option extends the physical loss and damage protection, including loss or damage caused by an airline, to any country in the world.
International coverage →You can lend it to anyone you choose, and it will be covered. The bike and the person riding it are covered as if it were you riding it‚ this includes theft and crash damage as well as any purchased optional coverages.
We do not dictate what type or brand of lock must be used to protect your ride from theft – you are welcome to use any lock that you trust. The best security is provided by metal locks combined with a high-quality chain. Securing your ride to a solid and immovable object, such as a bike rack, with a high-quality lock will send the thief onto the one secured with a more vulnerable lock.
Why Velosurance is best choice for your bike
Not all types of insurance are created equal. Velosurance levels the playing field by offering stand-alone bicycle coverage, where claims won’t affect your homeowner's or renter’s policy premiums.
| Policy Coverage |  | Homeowner/Renters Policy |
|---|---|---|
| Insured at Full Value | Yes | Possibly |
| Crash Damage | Yes | No |
| Theft Coverage | Yes | Limited |
| Theft by Force | Yes | No |
| Theft of Accessories | Yes | Limited |
| Theft Away From Home | Yes | Possibly |
| Vehicle Contact | Yes | No |
| Personal Liability | Yes | Possibly |
| Permissive Use Policy | Yes | No |
| Replacement Rental | Yes | No |
| Event Fee Return | Yes | No |
| Cycling Apparel Coverage | Yes | No |
| Medical Payments | Yes | Possibly |
| Racing Coverage | Yes | No |
| E-bikes | Yes | No |
| Coverage in-transit | Yes | No |
| USAC, USAT and IMBA Member Discount | Yes | No |
| FREE INSTANT QUOTE |
Not all insurance policies provide the same level of protection, and many people only discover gaps in their coverage after filing a claim. We’ve done the hard work of reviewing the fine print. To see how plans compare, check out our insurance comparison.
Client satisfaction is our #1 goal. Here's what our clients say about Velosurance
Velosurance really stepped up and put me at ease. The claim was fast and easy. I am insuring all my bikes now.
Check out Velosurance reviews to see what people are saying about us.
America's best bike insurance
Velosurance was created to give our fellow riders insurance that actually covered their lifestyle and peace of mind that no matter what happens on the road or trail, there would be a helping hand to get them back in the saddle.
Free instant quote
Nationwide coverage
Velosurance provides our policyholders with nationwide service when a damaged bike needs repair or replacement. Our policyholders are free to choose their preferred service location.
Velosurance story
Velosurance is a national insurance program founded by two avid cyclists, Dave Williams and Denis Voitenko in response to the insurance needs of bicycle riders nationwide.
It all started over tacos
One very rainy day at a local taco joint in Fort Lauderdale we started discussing how badly home and renters policies insured bikes. We knew there had to be a better way so we set about finding out how we could take a traditional piece of insurance and make it better, much better. On that wet day over tacos, Velosurance was founded.
We partnered with Markel American Insurance Company, an A.M. Best, A rated, US insurance company, and a leader in recreational insurance, to offer a multi-risk bicycle insurance policy providing protection to all types of cyclists, and with none of the silly restrictions that other insurance wants to place on riders.
Our mission
The Velosurance mission is to be fair to everyone involved, and to offer our best advice to clients so they can make an educated decision about their bike insurance coverage. We also like to ride as much as possible.
We are riders too
Bicycle prices increase every year and cyclists who are serious about their sport are spending big money on high value bikes. Other forms of insurance, like homeowners and renters insurance, do a poor job insuring high value bicycles so we founded Velosurance to fix that.
Velosurance provides a stand-alone, no bike value depreciation, bicycle insurance policy to replace the cobbled together, sub standard coverages offered by traditional insurance.
We are cyclists just like you, and we understand that when your bike gets damaged in an accident you want the shortest possible downtime. We make it our mission to see that your claim check arrives before the repair parts do and you get back pedaling as soon as you want to.