A few years after becoming a father, I rediscovered and fell back in love with mountain biking. Shortly after, I realized nothing would bring me greater joy than having my...
Velosurance is a national insurance agency 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.
Bicycle insurance to cover you everywhere
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Best insurance for your bicycle travels
Whether on the back of your car, in possession of an airline or a postal courier, the bike is covered.
Airline Damage
Your bike is covered whether the airline damages or loses the bike entirely.
On a Car
If your bike falls off or gets run over by a car, it’s covered.
Shipping Coverage
If it’s damaged or lost by a shipping carrier, it’s covered.
Insurance for riders who travel
Bikes are adventure machines by design. Even if you have excellent local riding, sooner or later you’ll yearn for variety and start venturing outside of your local circuit. Seeing new destinations from aboard your bike can be an empowering experience since you’re always in touch with your surroundings. The feeling of spontaneity, the wind in your hair and the unfamiliar curves of the road or trail will keep you asking for more. But before you start dreaming of epic adventures, you need to get yourself and your bike to the starting point.
Whether it involves throwing your bike on the car and heading to a neighboring town, planning a road trip with several scenic stops, or hopping on a plane to a sunny location during the cold winter months, exploring new destinations on a bike takes cycling to the next level. The further from your home base you venture, the more complex logistics can get.
The truth is, bikes frequently sustain damage while being transported. The causes of such damage can range from inadvertent errors such as driving into a low garage with the bike on the roof rack to the negligence of airport personnel. A policy from Velosurance provides coverage for any damage your bike may sustain during its travels, regardless of whether it is being transported by car, handled by airport staff, shipped with a courier, or traveling domestically or internationally.
How your bike usually gets damaged while transported
There’s surprisingly many ways to damage a bike and most of them don’t involve crashing, or riding it at all. In fact, bikes get damaged when being transported almost as frequently as they do when they are ridden. Bike racks are secure by design but humans make mistakes. At highway speeds, forces and vibrations are significant enough to expose any oversights, such as under tightened bolts and ratchet straps. Bikes breaking loose on the highway almost never survive.
Airlines have recognized the importance of accommodating cyclists who travel with bicycles, making flying with a bike much simpler and more affordable than even a few years ago. However, airlines still have a reputation for being difficult or uncooperative when it comes to handling claims related to damaged bikes.
If you travel long distances, out of state or even internationally, shipping your bike to the destination with a postal courier or a specialty bike shipping company can save both time and money, but you’ll have to break down and re-assemble your bike. A policy from Velosurance provides comprehensive coverage for your bike during transit, ensuring that regardless of the mode of transportation you choose, you can rest easy knowing that your bike is fully protected from any type of damage.
Velosurance covers all types of transit damage
Exploring new destinations, the next town or country over, takes cycling to a whole new level. Whether you’re taking your bike along on your car, stuffing it into a case and handing it over to an airline, or shipping with a postal courier, it’s covered.
Airline Damage
Your bike is covered whether the airline damages or loses the bike entirely.
On a Car
If your bike falls off or gets run over by a car, it’s covered.
Shipping Coverage
If it’s damaged or lost by a shipping carrier, it’s covered.
Coverages and Features
Velosurance core policy 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 coverage, and medical gap coverage.
Total loss by theft
Bikes are very easy to steal and equally difficult to recover, and a hefty U-lock doesn’t guarantee that your bicycle will remain yours when you return. Velosurance provides peace of mind when your bike is stolen or damaged in the process.
Medical coverage
If you’re hurt and require medical attention, the Velosurance-issued policy's optional purchase medical payments will cover your medical bills, up to the policy limit. The policy medical payments are paid directly to you to supplement the deductible of your personal health insurance policy.
Any crash or accidental damage
The Velosurance-issued policy will pay to replace the bike when it is accidentally damaged and beyond repair, including damage that occurs while being carried on or in your vehicle. If the damage can be repaired, the policy will cover all the costs associated with the bike's repair, including tax, labor, and shipping. Cosmetic damage that does not affect the bike's safety is excluded.
Damage or loss in transit
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. Your Velosurance-issued policy covers the insured bike for loss or damage while it's on its way to or from your destination by air or road. Even if the bike falls off a vehicle bike rack or is hit in a rear-end accident, it is covered, no arguments.
Electric bicycle coverage
We cover all electrically assisted Class 1, 2, and 3 bikes with a maximum assisted speed of 28 mph. All coverages available for conventional bikes also apply to e-bikes.
Liability protection
The Velosurance-issued 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, or $300,000 per occurrence.
Worldwide coverage
If your travels take you outside of the USA and Canada, the Velosurance-issued policy can be extended, at a small additional premium, to cover physical damage, such as a crash, and will also cover theft as well as loss or damage by an airline.
Our shop or yours
When filing a claim you’ll need to provide a repair estimate from a bike shop. We have a nationwide network of partner bike shops that are familiar with our process and can help you speed through your claim. If you prefer to work with your favorite bike shop, that works too.
Gear and apparel
If your insured bike is damaged in a crash, the Velosurance-issued policy covers the bike as well as your apparel, such as helmets, shoes, glasses, or riding kits, that were also damaged in the crash, and will pay up to $500 per accident and $1,000 per policy term. Spare parts that are not installed on the bike, such as a spare wheelset, are also covered for loss or theft up to $500 per loss and $1,000 per policy term.
Your choice of lock
We do not dictate what type or brand of a lock must be used to protect the bike from theft. You are welcome to use any lock that you trust. The best security is provided when securing an unattended bike with metal locks combined with a high-quality chain. Securing your bike to a solid and immovable object, such as a bike rack, with a high-quality lock will send a bike thief onto the bike secured with a more vulnerable lock.
No depreciation
Our policy never depreciates your bike's insured value. Depreciation is a hidden deductible that increases over time, and is applied if the bike is stolen or totalled. No one is ever happy with a depreciation (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 it takes to replace the bike. We pay what you paid, minus the deductible.
24/7/365 coverage
Our policy covers the insured bike(s) at all times, anywhere in the USA and Canada, and can be extended worldwide on request. There are no exclusions on time of day, or limitations on how long a bike could be stored away from home. 24/7/365 means every minute of every day, no matter where or when.
Standalone bicycle insurance
A standalone policy does not piggyback on coverage provided by the policies you may already have, such as home insurance. A claim against our policy will not reflect on your insurance score and will not affect your rates with other insurance carriers. With home insurance rates going up every year, it’s prudent to reserve your claim for when you really need it, because no matter how expensive your bike is, it’s a lot cheaper than a kitchen fire or a basement flood.
Why Velosurance is best for your gravel bike
Not all types of insurance are created equal. Velosurance levels the playing field by offering a stand-alone bike insurance policy, where claims will not affect your homeowner or renters 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 Bike 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 cover bikes equally and it often takes a claim to find out that your bike isn't covered. We did the hard work and read all the fine print. To see the difference, see bicycle insurance comparison.
Customer Stories
Client satisfaction is our #1 goal. Here's what our clients say about Velosurance
"Thank you so much to Velosurance!! My Ebike was stolen recently while on a trip to Minneapolis.. I was so bummed to lose it and I wasn't sure if it would even be covered.. Dan Madsen and Velosurance were very understanding and covered my claim in full.. "
Piper D
Baltimore, MD
"Velosurance is great! I’ve had them for 5 years now and it gives me peace of mind knowing that I have my bike stuff covered. I have made a few claims and everything was taken care of and solved in a timely manner. Definitely recommend getting velosurance. "
Steven G
Los Angeles, CA
"I have insured my bikes with Velosurance for 10 years and had to make two claims. Once I damaged my wheels on vacation, the second I was hospitalized after a massive crash. They were incredibly responsive both times, and made a stressful time incredibly easy. "
Gary K
San Francisco, CA
Check out Velosurance reviews to see what else people are saying about us.
Contact Us
'Convinced yet? Let's make something great together.
If you have any questions, don't hesitate to get in touch with us.'
America's Best Bicycle Travel Insurance
No matter where your adventures take you, protect your bike and yourself from the unexpected damage in transit with America's best bicycle insurance.
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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 bicycle 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.
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Velosurance discounts
Members of USA Cycling, USA Triathlon, and International Mountain Bicycle Association (IMBA) receive discounts on Velosurance bicycle insurance products.
Velosurance provides bicycle insurance policies in the following states: Alabama, Arkansas, Arizona, California, Colorado, Connecticut, D.C., Delaware, Florida, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Massachusetts, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, North Carolina, New Hampshire, New Jersey, New Mexico, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin.