https://velosurance.com/blog/category/bicycle-insurance/ Velosurance blog: Articles about bicycle insurance. Learn more about rates, coverages, claim scenarios, and other useful information en-us 2026 Velosurance. All rights reserved. support@velosurance.com (Velosurance) support@velosurance.com (Velosurance) Tue, 22 Sep 2026 21:00:00 -0500 Fri, 30 Oct 2026 14:41:08 -0500 Jekyll 4.2.2 https://www.rssboard.org/rss-specification 60 daily 1 https://velosurance.com/assets/images/velosurance/logos/velosurance-logo@2x.png https://velosurance.com/blog/category/bicycle-insurance/ 144 38 https://velosurance.com/blog/washington-ebike-law/ https://velosurance.com/blog/washington-ebike-law/ Tue, 22 Sep 2026 21:00:00 -0500 Denis Voitenko Bicycle insurance 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 license, registration, or insurance mandate. Anything that tops 20 mph on throttle alone, or was sold to be easily unlocked, is now a motorcycle or moped, with the license, plate, insurance, and DOT helmet that come with it. Washington's New E-Bike Law: What Every Rider Needs to Know https://velosurance.com/blog/nyc-ebike-rules/ https://velosurance.com/blog/nyc-ebike-rules/ Sun, 20 Sep 2026 21:00:00 -0500 Denis Voitenko Bicycle insurance 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 up to $50,000 of your medical bills when a car, truck or bus hits you. It never pays for the bike, and it does not exist when no motor vehicle is involved. The rules, the crash numbers, and who pays after a crash in the five boroughs. Riding a Bike or E-Bike in New York City: The Rules, the Risks and Who Pays After a Crash https://velosurance.com/blog/connecticut-ebike-law/ https://velosurance.com/blog/connecticut-ebike-law/ Thu, 03 Sep 2026 21:00:00 -0500 Denis Voitenko Bicycle insurance 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 registration, no insurance mandate. But a helmet is required at every age, and that rule now carries a ticket. Machines with a seat at least 26 inches high and up to 3,700 watts are motor-driven cycles needing only a driver's license. Above that line, it is a motorcycle with all the paperwork. Connecticut's E-Bike Law: What Every Rider Needs to Know https://velosurance.com/blog/illinois-ebike-law/ https://velosurance.com/blog/illinois-ebike-law/ Sun, 30 Aug 2026 21:00:00 -0500 Denis Voitenko Bicycle insurance 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 or assisting past 28 mph becomes a motor driven cycle requiring a driver's license, title, registration, a VIN, and liability insurance. New minimum ages arrive, e-scooters come off sidewalks, and every local e-bike ordinance is preempted. Illinois' New E-Bike Law: What Every Rider Needs to Know https://velosurance.com/blog/does-auto-insurance-cover-bicycle-accidents/ https://velosurance.com/blog/does-auto-insurance-cover-bicycle-accidents/ Tue, 07 Jul 2026 21:00:00 -0500 Denis Voitenko Bicycle insurance 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 type of crash and the state where it happens. Does Auto Insurance Cover Bicycle Accidents? https://velosurance.com/blog/new-jersey-ebike-registration/ https://velosurance.com/blog/new-jersey-ebike-registration/ Wed, 24 Jun 2026 21:00:00 -0500 Denis Voitenko Bicycle insurance 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 out with plate stickers on the front fork. Here is exactly how to register your e-bike, when you need a license, and which bikes must carry insurance before the requirements take effect July 20, 2026. How to register an e-bike in New Jersey https://velosurance.com/blog/e-bike-regulations-update/ https://velosurance.com/blog/e-bike-regulations-update/ Sun, 29 Mar 2026 21:15:15 -0500 Denis Voitenko Bicycle insurance 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 era of licensing and insurance. Learn why classification chaos is driving these blunt laws and what you must do to stay legal, insured, and protected on the road this year. E-Bike Regulation Is Heating Up. Here’s What Riders Need to Know https://velosurance.com/blog/nj-ebike-law-guide/ https://velosurance.com/blog/nj-ebike-law-guide/ Mon, 16 Mar 2026 21:25:15 -0500 Denis Voitenko Bicycle insurance 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 falls under the new rules. Riders under 15 are banned outright. The deadline to register is July 19, 2026, but the insurance requirement is live today. Your homeowners and auto policies won't cover it. You need a dedicated e-bike policy. New Jersey’s 2026 E-Bike Requirements: Mandatory Liability, MVC Registration, and Licensing for All Riders https://velosurance.com/blog/florida-ebike-law-explained/ https://velosurance.com/blog/florida-ebike-law-explained/ Tue, 10 Feb 2026 20:25:15 -0600 Denis Voitenko Bicycle insurance 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 excluded from PIP no-fault benefits. Data reviews in Oct 2026 will decide if even stricter rules are coming for 2027. Navigating Florida’s 2026 E-Bike Updates: New 10 MPH Sidewalk Limits, Audible Signals, and Trail Access https://velosurance.com/blog/bike-insurance-guide-2026/ https://velosurance.com/blog/bike-insurance-guide-2026/ Wed, 24 Dec 2025 20:25:15 -0600 Denis Voitenko Bicycle insurance What every cyclist needs to know about protecting their bike, health, and finances in 2026 The 2026 Guide to Bicycle Insurance: Full Replacement Value, E-Bike Liability, and Multi-Class Coverage https://velosurance.com/blog/cyclist-health-coverage-2026/ https://velosurance.com/blog/cyclist-health-coverage-2026/ Mon, 08 Dec 2025 20:25:15 -0600 Denis Voitenko Bicycle insurance 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 supplemental “gap” layer to absorb big out-of-pocket hits. The 2026 Policy Bonk: Why Cyclists Need to Re-Evaluate Their Health Coverage Now https://velosurance.com/blog/25-unpopular-cycling-opinions/ https://velosurance.com/blog/25-unpopular-cycling-opinions/ Mon, 21 Jul 2025 21:25:15 -0500 Denis Voitenko Bicycle insurance 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 help you cut through the noise, save money, and focus on what actually matters: getting out there and riding your bike, whatever bike that happens to be. 25 unpopular and uncomfortable cycling opinions https://velosurance.com/blog/5-myths-homeowners-bicycle-coverage/ https://velosurance.com/blog/5-myths-homeowners-bicycle-coverage/ Sun, 20 Jul 2025 21:25:15 -0500 Denis Voitenko Bicycle 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 proper protection. Understanding these misconceptions is crucial to protecting your investment, hobby, and peace of mind. Top 5 Myths about bike coverage under homeowners insurance https://velosurance.com/blog/best-bike-insurance-2025/ https://velosurance.com/blog/best-bike-insurance-2025/ Mon, 30 Jun 2025 21:25:15 -0500 Denis Voitenko Bicycle insurance 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 recognizes your bike as the valuable asset it truly is. The Definitive Guide to the Best Bike Insurance in 2025: Crash, Theft, and E-Bike Coverage https://velosurance.com/blog/best-bicycle-ebike-insurance-guide/ https://velosurance.com/blog/best-bicycle-ebike-insurance-guide/ Tue, 12 Dec 2023 20:12:15 -0600 2024-08-16T00:00:00-05:00 Denis Voitenko Bicycle 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 events. Surprisingly, these insurance policies also provide a much needed range of coverage for those with regular bikes, ridden for pleasure or used to commute to school or work. A buyer's guide to the best bicycle and e-bike insurance https://velosurance.com/blog/when-hire-bicycle-accident-attorney/ https://velosurance.com/blog/when-hire-bicycle-accident-attorney/ Mon, 15 May 2023 00:25:15 -0500 David Williams Bicycle insurance Whether you’re a seasoned cyclist or just starting out, it’s important to know when to seek the help of a bicycle accident attorney. For many people, cycling is a way to enjoy the outdoors, get exercise, and clear their minds. When to hire a bicycle accident attorney https://velosurance.com/blog/what-must-know-bicycle-warranty/ https://velosurance.com/blog/what-must-know-bicycle-warranty/ Fri, 28 Oct 2022 10:23:13 -0500 Denis Voitenko Bicycle insurance 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 any other high-ticket items. What you must know about bicycle warranties https://velosurance.com/blog/what-cyclist-know-health-insurance/ https://velosurance.com/blog/what-cyclist-know-health-insurance/ Mon, 02 Dec 2019 23:25:15 -0600 David Williams Bicycle insurance Most people don’t consider the risks involved in seemingly safe exercises and physical activities. However, unless your hobbies include extreme sports such as base jumping or motorcycle racing, every time you get on a bike, you’re taking on a disproportionately larger amount of risk than you would otherwise on that particular day. What cyclists must know about Health Insurance https://velosurance.com/blog/things-know-bicycle-insurance/ https://velosurance.com/blog/things-know-bicycle-insurance/ Mon, 17 Jun 2019 00:25:15 -0500 David Williams Bicycle insurance If you’re an experienced cyclist, then you’ve probably owned multiple bikes, each progressively better and more expensive than the last. Whether you’re a commuter, a roadie, a mountain biker or a leisurely rider, you also know the importance of purchasing a bike that has a reputation of being resilient, reliable, and safe. Things to know before insuring your bicycle https://velosurance.com/blog/most-common-questions/ https://velosurance.com/blog/most-common-questions/ Fri, 15 May 2015 10:25:15 -0500 David Williams Bicycle insurance We get asked a lot of questions. Since the only stupid question is the one you did not ask, here is a list of the most common ones. 1. Is my bike covered if it is on the car bike rack and I am rear ended? A: Yes, the bike is covered subject to the policy deductible. Most common questions https://velosurance.com/blog/why-should-i-insure-my-bicycle/ https://velosurance.com/blog/why-should-i-insure-my-bicycle/ Sat, 25 Oct 2014 10:25:15 -0500 David Williams Bicycle insurance Your car is transportation, your home is shelter from the elements, but what is your bike? When you were a kid your bike was a toy, but today it has become part of your lifestyle. The value of some bikes now eclipse the price of a car and far from being a toy. Why should I insure my bicycle? https://velosurance.com/blog/uninsured-motorist-liability-coverage/ https://velosurance.com/blog/uninsured-motorist-liability-coverage/ Mon, 20 Oct 2014 10:25:15 -0500 David Williams Bicycle insurance Physical damage and loss of the bicycle is easy to understand. If the bicycle is damaged or stolen the policy will pay to repair or replace it, but what about the optional coverage limits? Uninsured driver, liability, medical coverage https://velosurance.com/blog/bicycle-insurance-what-covered/ https://velosurance.com/blog/bicycle-insurance-what-covered/ Sun, 28 Sep 2014 10:25:15 -0500 David Williams Bicycle insurance 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. Bicycle insurance - what is covered? https://velosurance.com/blog/uninsured-motorist-insurance/ https://velosurance.com/blog/uninsured-motorist-insurance/ Fri, 28 Mar 2014 10:25:15 -0500 David Williams Bicycle insurance We hope it never happens but often a cyclist is badly injured by a driver who has no insurance or a motorist who has insufficient insurance (the minimum liability insurance required by state law is sometimes as low as $10,000), or a motorist that cannot be identified, such as a hit-and-run driver. Why you must have uninsured motorist insurance https://velosurance.com/blog/why-bicycle-insurance-cost-car-insurance/ https://velosurance.com/blog/why-bicycle-insurance-cost-car-insurance/ Sun, 16 Mar 2014 10:25:15 -0500 David Williams Bicycle insurance An often asked question is why does bicycle insurance cost as much as my motorcycle/auto insurance? This is a great question that needs discussion. Let’s consider some other anomalies in pricing and then we can get back to insurance. Bicycle insurance cost explained