Velosurance bicycle insurance

Velosurance is a national bike insurance specialist founded by two cyclists in response to the insurance needs of bicycle riders nationwide. We partnered with an A.M.Best “A” rated, US insurance company to provide a multi-risk policy offering protection to all types of cyclists.

Contact Info
2720 E. Yampa St. Suite 7B
Colorado Springs, CO 80909
United States
support@velosurance.com
+1 (888) 663 9948

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Denis Voitenko

 

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Denis Voitenko

Denis is a competitive cyclist and triathlete, competing in disciplines from crits to Ironman-distance triathlon and marathon mountain bike racing. He’s an avid outdoor enthusiast who calls the mountains his happy place. As an active member of the cycling community, he intimately understands the needs and realities of living life on two wheels and does not miss an opportunity to promote the cycling lifestyle and recruit new members.

Posts by Denis Voitenko (72)

Mitochondria for Cyclists: How Your Legs Build an Engine, and How They Lose One

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Mitochondria for Cyclists: How Your Legs Build an Engine, and How They Lose One

Half of your fitness lives in your leg muscles, in the mitochondria that burn fat, sugar and, late in a long ride, your own muscle protein. Here is how training...

25 Oct 2026 By Denis Voitenko
Velocity-Based Training for Cyclists: How to Lift for Power Without Wrecking Tomorrow’s Ride

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Velocity-Based Training for Cyclists: How to Lift for Power Without Wrecking Tomorrow’s Ride

Pro cycling teams stopped grinding out heavy sets to failure and started watching bar speed instead. Velocity-based training loads the bar at 60 to 70% of max, pushes every rep...

22 Oct 2026 By Denis Voitenko
How Much Protein Do Cyclists Need? What the Latest Research Says

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How Much Protein Do Cyclists Need? What the Latest Research Says

The old advice was pasta and a banana. The newest research in cyclists says 1.6 to 2.0 grams of protein per kilogram a day, double the RDA, with 30 to...

22 Oct 2026 By Denis Voitenko
Race Weight Is Over: Why Pro Cyclists Got Stronger, Not Thinner, and What It Means for You

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Race Weight Is Over: Why Pro Cyclists Got Stronger, Not Thinner, and What It Means for You

The skin-and-bones climber of the 2000s is gone. Today's pros are as lean as ever but carry more muscle, because durability, the power you still have after three hours, is...

21 Oct 2026 By Denis Voitenko
Don’t Waste Another Winter on the Trainer: Workouts That Fix Real Weaknesses

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Don’t Waste Another Winter on the Trainer: Workouts That Fix Real Weaknesses

Winter on the trainer is the one time of year you control every variable, so spend it fixing a specific weakness. Four of them, fading after 90 minutes, a low...

19 Oct 2026 By Denis Voitenko
Cross-Training for Cyclists: What Transfers to the Bike and What Doesn’t

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Cross-Training for Cyclists: What Transfers to the Bike and What Doesn’t

Aerobic fitness carries over between sports, but unevenly: running and cross-country skiing transfer to the bike well, swimming barely at all. The real payoff is what cycling cannot give you,...

19 Oct 2026 By Denis Voitenko
Dirty 30s: The 30-Second Interval Workout That Teaches Your Legs to Recover at Speed

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Dirty 30s: The 30-Second Interval Workout That Teaches Your Legs to Recover at Speed

Dirty 30s are eight 30-second efforts at 120% to 150% of FTP with a minute easy between them, 26 minutes door to door. The Norwegian research behind short intervals, the...

18 Oct 2026 By Denis Voitenko
How to Become a Stronger Mountain Biker Over Winter

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How to Become a Stronger Mountain Biker Over Winter

Winter is the only stretch of the year long enough to build real strength. Here is how mountain bikers should spend it: two heavy gym sessions a week, a minimal...

14 Oct 2026 By Denis Voitenko
Gels, Sports Drinks, and the Prediabetic Cyclist: How Much Sugar Is Too Much?

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Gels, Sports Drinks, and the Prediabetic Cyclist: How Much Sugar Is Too Much?

Pro riders eat 90 to 120 g of sugar an hour and amateurs copy them. Now lean, high-volume cyclists are turning up with prediabetic bloodwork. What the studies show, what...

14 Oct 2026 By Denis Voitenko
Washington's New E-Bike Law: What Every Rider Needs to Know

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Washington's New E-Bike Law: What Every Rider Needs to Know

Washington rewrote its e-bike definition in ESSB 6110, effective June 11, 2026. Class 1, Class 2, and Class 3 e-bikes with pedals and 750 watts or less stay bicycles: no...

22 Sep 2026 By Denis Voitenko
Riding a Bike or E-Bike in New York City: The Rules, the Risks and Who Pays After a Crash

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Riding a Bike or E-Bike in New York City: The Rules, the Risks and Who Pays After a Crash

Every e-bike in New York City is capped at 15 mph, a red light on a bike is a traffic ticket again as of March 27, 2026, and no-fault pays...

20 Sep 2026 By Denis Voitenko
E-Bike vs. Car: What Switching Really Costs, and Why Riders Quit

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E-Bike vs. Car: What Switching Really Costs, and Why Riders Quit

A new car costs $12,863 a year, per AAA, which works out to roughly a workday of pay every week. An e-bike costs about $1,000. Yet riders who buy one...

20 Sep 2026 By Denis Voitenko
Bike Cargo Trailer Buying Guide: Best Trailers, Hitches and Uses

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Bike Cargo Trailer Buying Guide: Best Trailers, Hitches and Uses

A bike cargo trailer costs $150 to $600, hooks to the bike you already own in about ten seconds, and hauls 100 lbs of groceries without changing how the bike...

20 Sep 2026 By Denis Voitenko
Overtraining Syndrome: When More Riding Makes You Slower

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Overtraining Syndrome: When More Riding Makes You Slower

Push hard for long enough without recovering and training stops making you faster. Here is how normal fatigue turns into overreaching and then overtraining syndrome, why cyclists are unusually good...

08 Sep 2026 By Denis Voitenko
BPC-157 and Healing Peptides: Can They Really Fix a Cyclist’s Tendon?

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BPC-157 and Healing Peptides: Can They Really Fix a Cyclist’s Tendon?

Somewhere in your riding group there is someone injecting BPC-157 near a knee that has hurt since March. Here is what is in the vial, what the research says it...

05 Sep 2026 By Denis Voitenko
Connecticut's E-Bike Law: What Every Rider Needs to Know

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Connecticut's E-Bike Law: What Every Rider Needs to Know

Connecticut rewrote its e-bike rules in Public Act 25-159 and Public Act 25-65, effective October 1, 2025. Class 1, Class 2, and Class 3 e-bikes stay bicycles: no license, no...

03 Sep 2026 By Denis Voitenko
How to Buy a Used Bike and Not Get Burned

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How to Buy a Used Bike and Not Get Burned

The pandemic bike boom is aging into the best used-bike market in memory, and the easiest one in which to buy somebody else's problem. Here is how to price a...

01 Sep 2026 By Denis Voitenko
Illinois' New E-Bike Law: What Every Rider Needs to Know

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Illinois' New E-Bike Law: What Every Rider Needs to Know

Illinois signed Public Act 104-0854, effective January 1, 2027. Class 1, Class 2, and Class 3 e-bikes stay bicycles: no license, no registration, no insurance mandate. Anything over 750 watts...

30 Aug 2026 By Denis Voitenko
Road vs. Mountain Biking: Which One Is Actually More Dangerous?

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Road vs. Mountain Biking: Which One Is Actually More Dangerous?

Mountain bikers visit the emergency room twice as often, but road cyclists suffer the more severe injuries, the worse head trauma, and nearly all the fatalities. A 2025 trauma study...

09 Aug 2026 By Denis Voitenko
How to Become a Better Climber: What the Science Actually Says

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How to Become a Better Climber: What the Science Actually Says

Good climbers are made, not born. The research points to a handful of trainable levers: power-to-weight ratio, VO2max intervals, threshold work, heavy strength training, cadence, and pacing. Here is what...

04 Aug 2026 By Denis Voitenko
Weight Training for Cyclists: Why Lifting Makes You Faster

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Weight Training for Cyclists: Why Lifting Makes You Faster

The old warning that lifting makes cyclists slow and bulky has not survived the research. Two heavy gym sessions a week improve pedaling economy, sprint power, and fatigue resistance, and...

26 Jul 2026 By Denis Voitenko
What Every Cyclist Needs to Know About Chain Lubricants

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What Every Cyclist Needs to Know About Chain Lubricants

Chain lube is the cheapest performance and durability product in cycling, and most riders use the wrong one. Here is how wet lube, dry lube, drip wax, and hot melt...

21 Jul 2026 By Denis Voitenko
How to Build a Pain Cave on Any Budget

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How to Build a Pain Cave on Any Budget

A pain cave is a corner of your home where the bike is always ready and the only variable left is whether you show up. Here is what it costs...

20 Jul 2026 By Denis Voitenko
What Cyclists Need to Know About Gearing

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What Cyclists Need to Know About Gearing

A gear ratio is chainring teeth divided by cog teeth, and that one division explains almost everything about how a bike climbs, cruises, and sprints. Here is how to read...

20 Jul 2026 By Denis Voitenko
Why Cycling Is Replacing Golf

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Why Cycling Is Replacing Golf

Golf participation is at an eight-year high, yet in tech, finance, and health-minded leadership the deal has moved off the fairway and onto the bike. A two-hour group ride replaces...

19 Jul 2026 By Denis Voitenko
Does Auto Insurance Cover Bicycle Accidents?

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Does Auto Insurance Cover Bicycle Accidents?

Auto insurance covers bicycle accidents more often than most riders realize, but only in certain scenarios. Which policy pays, how much, and whether you recover at all depends on the...

07 Jul 2026 By Denis Voitenko
The Blood Panel Every Cyclist Should Actually Ask For

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The Blood Panel Every Cyclist Should Actually Ask For

Iron gets all the attention, but it is one of a dozen numbers that decide whether your legs show up. Here is the complete blood panel worth asking your doctor...

05 Jul 2026 By Denis Voitenko
Air Quality and Training: When to Ride and When to Stay Inside

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Air Quality and Training: When to Ride and When to Stay Inside

Wildfire smoke and summer ozone are now part of every cyclist's training calendar. Here is what the Air Quality Index actually measures, how hard exercise multiplies your dose of pollution,...

04 Jul 2026 By Denis Voitenko
Creatine for Cyclists: What Everyday Riders Actually Need to Know

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Creatine for Cyclists: What Everyday Riders Actually Need to Know

Creatine is one of the safest, most studied supplements on the shelf, and you do not need to race to benefit. Here is what it does for cyclists, what it...

30 Jun 2026 By Denis Voitenko
How to register an e-bike in New Jersey

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How to register an e-bike in New Jersey

New Jersey now registers e-bikes the way it registers mopeds. Starting June 26, 2026, riders schedule an appointment at a Motor Vehicle Commission center, show proof of ownership, and walk...

24 Jun 2026 By Denis Voitenko
Norwegian 4x4: The 16-Minute VO2 Max Workout for Cyclists

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Norwegian 4x4: The 16-Minute VO2 Max Workout for Cyclists

The Norwegian 4x4 is the most studied interval workout for raising VO2 max: four 4-minute efforts at 90-95% of max heart rate, three minutes easy between. Here is how cyclists...

19 May 2026 By Denis Voitenko
Should You Switch to an E-Bike After 50? An Honest Look at What Really Changes

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Should You Switch to an E-Bike After 50? An Honest Look at What Really Changes

The e-bike regulatory landscape is shifting rapidly in 2026. From New Jersey's S4834 reclassifying all e-bikes as motorized vehicles to California’s proposed AB 1942 registration mandates, riders face a new...

20 Apr 2026 By Denis Voitenko
E-Bike Regulation Is Heating Up. Here’s What Riders Need to Know

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E-Bike Regulation Is Heating Up. Here’s What Riders Need to Know

The e-bike regulatory landscape is shifting rapidly in 2026. From New Jersey's S4834 reclassifying all e-bikes as motorized vehicles to California’s proposed AB 1942 registration mandates, riders face a new...

29 Mar 2026 By Denis Voitenko
New Jersey’s 2026 E-Bike Requirements: Mandatory Liability, MVC Registration, and Licensing for All Riders

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New Jersey’s 2026 E-Bike Requirements: Mandatory Liability, MVC Registration, and Licensing for All Riders

New Jersey now requires most e-bike riders to register their bike, hold a driver's license, and carry liability insurance. Anything with a throttle or capable of assisting past 20 mph...

16 Mar 2026 By Denis Voitenko
Navigating Florida’s 2026 E-Bike Updates: New 10 MPH Sidewalk Limits, Audible Signals, and Trail Access

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Navigating Florida’s 2026 E-Bike Updates: New 10 MPH Sidewalk Limits, Audible Signals, and Trail Access

Florida’s 2026 e-bike laws (SB 382/HB 243) mandate a 10 mph limit near pedestrians, ID for Class 3 riders, and fines for motor mods. While coverage isn't mandatory, riders are...

10 Feb 2026 By Denis Voitenko
The 2026 Guide to Bicycle Insurance: Full Replacement Value, E-Bike Liability, and Multi-Class Coverage

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The 2026 Guide to Bicycle Insurance: Full Replacement Value, E-Bike Liability, and Multi-Class Coverage

What every cyclist needs to know about protecting their bike, health, and finances in 2026

24 Dec 2025 By Denis Voitenko
The 2026 Policy Bonk: Why Cyclists Need to Re-Evaluate Their Health Coverage Now

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The 2026 Policy Bonk: Why Cyclists Need to Re-Evaluate Their Health Coverage Now

By 2026, higher deductibles, shrinking subsidies, and surprise ambulance bills will make a post-crash hospital visit far pricier for cyclists—so it’s smart to reassess health coverage now and consider a...

08 Dec 2025 By Denis Voitenko
Charged up: A parent’s guide to e-bikes for teens and kids

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Charged up: A parent’s guide to e-bikes for teens and kids

E-bikes are becoming a popular choice for teens, offering freedom and practicality, but parents need to carefully match bike type, size, and class (1, 2, or 3) to their child’s...

30 Sep 2025 By Denis Voitenko
U.S. Bicycle Commuting Rankings: Top States for Infrastructure, E-Bike Access, and Safety Laws

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U.S. Bicycle Commuting Rankings: Top States for Infrastructure, E-Bike Access, and Safety Laws

Velosurance’s state-by-state analysis ranks Vermont #1 for bike-commuter-friendliness, followed by Oregon and Minnesota, using a 100-point model across ridership, infrastructure, road laws/safety, and federal funding. The study highlights how strong...

28 Sep 2025 By Denis Voitenko
A buyer’s guide to moped-style E-bikes

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A buyer’s guide to moped-style E-bikes

Moped-style e-bikes blend vintage moto looks with modern power, but discerning buyers should look past the hype and focus on weight, motor type, range, proven electronics, service support, and security...

27 Aug 2025 By Denis Voitenko
25 unpopular and uncomfortable cycling opinions

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25 unpopular and uncomfortable cycling opinions

The truth is, cycling can be simpler, cheaper, and more enjoyable than the experts want you to believe. These 25 opinions might ruffle some lycra-clad feathers, but they're designed to...

21 Jul 2025 By Denis Voitenko
Top 5 Myths about bike coverage under homeowners insurance

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Top 5 Myths about bike coverage under homeowners insurance

This article debunks the five most common myths about bicycle coverage under this type of insurance, revealing the hidden limitations, exclusions, and financial risks that could leave you pedaling without...

20 Jul 2025 By Denis Voitenko
The Definitive Guide to the Best Bike Insurance in 2025: Crash, Theft, and E-Bike Coverage

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The Definitive Guide to the Best Bike Insurance in 2025: Crash, Theft, and E-Bike Coverage

Specialty bicycle insurance is designed around how cyclists actually ride, store, and risk their bikes. Specialty bicycle insurance policies understand the unique risks cyclists face and provide targeted protection that...

30 Jun 2025 By Denis Voitenko
Why an e-bike is a better electric vehicle

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Why an e-bike is a better electric vehicle

While it isnt a direct replacement for a car, more people should consider purchasing an e-bike rather than another EV.

10 Nov 2024 By Denis Voitenko
How to ride faster

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How to ride faster

Whether you are a road, gravel, or mountain biker, we all want to go faster. Any cyclist will tell you that a critical component to progressing as a rider is...

24 Sep 2024 By Denis Voitenko
A buyer's guide to the best bicycle and e-bike insurance

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A buyer's guide to the best bicycle and e-bike insurance

When specialty bicycle insurance is discussed, one might be quick to associate it with coverage on high-end or customized bicycles owned by aficionados and used for racing or other special...

12 Dec 2023 By Denis Voitenko
How to use e-bikes for recovery and rehabilitation

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How to use e-bikes for recovery and rehabilitation

Recovering from injuries or undergoing rehabilitation can be a challenging and sometimes frustrating journey, but incorporating electric bicycles, or e-bikes, into your rehabilitation program can make all the difference. While...

13 Jun 2023 By Denis Voitenko
How to select the optimal tire for your bike

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How to select the optimal tire for your bike

Tires can drastically affect your ride, they can be the difference between winning or losing, crashing or “saving it,” riding with confidence or with fear. If your bike is due...

25 Apr 2023 By Denis Voitenko
What you must know about bicycle warranties

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What you must know about bicycle warranties

How important is the warranty? Are all warranties the same? What does the warranty really cover? These are the questions that most consumers ask when shopping for a bicycle or...

28 Oct 2022 By Denis Voitenko
How to stay warm on a winter ride

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How to stay warm on a winter ride

For many who enjoy riding outdoors, winter weather often means the end of outdoor activities. However, most regions have days that could very well be ideal for a winter ride—if...

13 Jan 2022 By Denis Voitenko
Winter Riding Safety: Identifying Hypothermia, Frostbite, and Muscle Injuries in the Cold

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Winter Riding Safety: Identifying Hypothermia, Frostbite, and Muscle Injuries in the Cold

Winter riding can be every bit as enjoyable as warm-weather riding when you do it right. However, if you head out unprepared, it could turn out to be the worst...

20 Dec 2021 By Denis Voitenko
How to train in the cold

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How to train in the cold

Winter weather doesn’t have to put an end to your rides, but it does mean that you’re going to have to make a few adjustments to continue enjoying them year...

07 Dec 2021 By Denis Voitenko
Master Your Cycling Hydration: Sweat Rate Testing, Electrolyte Balance, and Performance Recovery

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Master Your Cycling Hydration: Sweat Rate Testing, Electrolyte Balance, and Performance Recovery

While a casual rider likely has little concern regarding how much they’re actually sweating, if you’re an endurance cyclist or ride competitively, knowing your sweat rate is a critical component...

12 Nov 2021 By Denis Voitenko
How to avoid a bike-car accident

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How to avoid a bike-car accident

As a cyclist, there are few experiences more terrifying than that of being hit by a car. A popular belief is that riding a bicycle is a dangerous pastime, but...

28 Jul 2020 By Denis Voitenko
How to transport your bike in a pickup truck

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How to transport your bike in a pickup truck

These days everyone has the same idea: get outside and exercise! While it might be as simple as hopping onto the saddle for some, many have to commute to local...

28 May 2020 By Denis Voitenko
Is it safe to train during pandemic?

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Is it safe to train during pandemic?

A widely held belief is that prolonged intense workouts, such as endurance races, compromise the immune system. While evidence suggests that may be the case, it also suggests that a...

13 Apr 2020 By Denis Voitenko
Bicycle commuting tips for beginners

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Bicycle commuting tips for beginners

For awhile, commuting by bike was getting a pretty bad rep. In fact, at one point, bicycling started to see a consistent decline. However, in recent years, many communities have...

09 Feb 2020 By Denis Voitenko
How to get into Velodrome cycling

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How to get into Velodrome cycling

Track cycling might just be one of the most exciting, fast-paced facets of the cycling world. It requires a specialized bike and sharp technical skills. And while there’s nothing easy...

09 Dec 2019 By Denis Voitenko
How to fix a flat bicycle tire

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How to fix a flat bicycle tire

Changing a bike tire might not seem like an especially important life skill, but if you ride a bike in any capacity, it’s a skill you should learn. No one...

13 Nov 2019 By Denis Voitenko
Cycling injury prevention tips

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Cycling injury prevention tips

Health benefits, environmentally-friendly transportation, and exhilarating fun are just a few of the many reasons why cycling is so popular. What makes cycling so different from almost any other sport...

08 Mar 2018 By Denis Voitenko
Riding with your significant other

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Riding with your significant other

Whether your passion is shredding a singletrack, an intense road hammerfest, or just a leisurely pedal, there’s one thing all cyclists tend to agree on: riding is an exhilarating experience!...

21 Feb 2018 By Denis Voitenko
How to get started with bikepacking

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How to get started with bikepacking

Whether you’re trying to escape the everyday stresses of life, setting out for an adrenaline packed adventure, want to become one with nature, or simply feel the need to go...

31 Oct 2017 By Denis Voitenko
Cyclocross and gravel grinders

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Cyclocross and gravel grinders

Once in awhile an unexpected movement arises in the cycling world and takes many by surprise. The most recent discipline to emerge is cyclocross racing and gravel riding, on very...

12 May 2016 By Denis Voitenko
What you must know about crashing your bike

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What you must know about crashing your bike

If you spend any significant time on two wheels, you will eventually crash. While accumulating riding experience will cut down on the frequency of crashes, even the most experienced riders...

19 Oct 2015 By Denis Voitenko
Risk, liability and insurance for triathletes

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Risk, liability and insurance for triathletes

As with any competitive sport, triathlon carries certain inherent risks ranging from road rash to more dire consequences like financial loss and liability. Risk isn’t fun to talk about, but...

12 Sep 2015 By Denis Voitenko
Riding a bicycle at night - see and be seen

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Riding a bicycle at night - see and be seen

If you commute by bike, then you are most likely aware of the joys that come with being “one with your environment” during your ride. However beautiful your commutes may...

30 Dec 2014 By Denis Voitenko
Most popular ways to transport your bike safely

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Most popular ways to transport your bike safely

Carrying your bicycle in or on your car is an excellent way to expand your cycling experience and makes it much easier to find quiet country roads or some sweet...

18 Jun 2014 By Denis Voitenko
Get your road bike ready for the season

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Get your road bike ready for the season

Take your bike for a quick pedal around the neighborhood to make sure the gears and brakes are working well. Then take your allen key tool set and check every...

17 Mar 2014 By Denis Voitenko
Mountain bike riding safety tips

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Mountain bike riding safety tips

If there’s one thing you need to know about mountain biking safety, it’s that you need to wear a helmet. In the event that you fall off your bike, crash,...

24 Feb 2014 By Denis Voitenko
Bicycle car rack safety tips

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Bicycle car rack safety tips

If you carry your precious bike around on the roof of your car you probably live in fear of the day you forget the bike is up top and drive...

23 Feb 2014 By Denis Voitenko
How to keep your bike's gears shifting perfectly

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How to keep your bike's gears shifting perfectly

First, remove the outer cable cover from the stops on the frame. This will allow you to slide the outer cover along the cable so you can lubricate the shifting...

05 Feb 2014 By Denis Voitenko
Bike chain cleaning guide

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Bike chain cleaning guide

Have you let the muck and grime build up on your bike or did you just spend a ride hammering through some nasty wet roads or trails? If your bike...

04 Feb 2014 By Denis Voitenko