TL;DR:
Velosurance covers your bike and nearly all the accessories attached—plus extras like trailers, lights, GPS units, wheelsets, and panniers—while clarifying what's not covered, like pannier contents, apparel, and camping gear
- Insure your fully assembled bike, including accessories
- Spare accessories count—but track contents separately
- Ensure coverage across scenarios
When figuring out what value to consider when insuring your bicycle you should include everything normally attached to the bike when you ride, plus some things that are not always attached but can be considered cycling accessories, such as a bicycle trailer.
What is covered by Velosurance?
Bicycle trailers can be expensive and should always be considered in the bicycle insured value if you want the trailer to be covered accessory.
The bicycle insurance policy will also include your wheelsets, especially if you race on one wheelset and train on another. Include the racing wheelset in the bike value and the training wheels will be covered.
Cargo mounts, baskets and panniers are also covered but usually not their contents. If you are a touring cyclist your non riding clothing and camping gear would not be covered and likewise if you commute to work by bike and carry street clothes, laptop or tablet in the panniers these items are not cycling related and would not be covered by your bicycle insurance.
Accessories like:
- Lights
- Cameras
- GPS units
- Power meters
- Other accessories
that are used in your normal riding are all covered items.
Every component attached to your bicycle is also covered by a Velosurance policy.
Key Takeaways
- Insure all gear that’s usually attached—this includes your bike, trailers, racing and training wheelsets, baskets, and cargo mounts
- Your policy also covers accessories like lights, GPS units, power meters, and cameras used in your normal riding
- Stuff packed in panniers—like clothes, laptops, or camping gear—is not covered since it’s not always cycling‑specific
- Every component attached to your bicycle falls under coverage, so upgrades like saddles or stems are included
- When valuing your bike for insurance, include non‑fixed-but-used gear (like trailers or alternate wheels) in your declared value