Velosurance is not affiliated with, sponsored by, or endorsed by the International Mountain Bicycling Association (IMBA). This discount is offered independently by Velosurance. "IMBA" is a trademark of the International Mountain Bicycling Association, used here only to identify eligible members.
An independent discount from Velosurance
Velosurance independently offers a 10% discount on the bicycle coverage premium to active members of IMBA local associations. We offer this discount on our own initiative because riders involved in trail advocacy tend to be experienced, careful cyclists who maintain their bikes to off-road standards, store them indoors, and transport them properly.
Mountain bike-specific exposures
Crashing is an integral part of mountain biking, and the injury rate is higher than in any other type of cycling. Transport adds risk every time a destination ride means a multi-hour drive on a hitch or roof rack. Theft applies whether the bike is in transit or at home in a garage, basement, shed, or the shared bike storage rooms common in apartment complexes. Velosurance covers all three perils, provided the bike is properly secured when unattended and stored according to the policy's requirements, and the IMBA discount lowers the cost of that coverage.
Who qualifies
Individual mountain bike advocacy membership is handled through IMBA's network of local associations and chapters — pricing and structure vary by organization. If you hold an active membership with an IMBA local association, you qualify. To find or join an organization near you, visit imba.com.
Your membership must be active at the time your policy is issued or renewed. For riders under 18, a parent or guardian holds the policy and the young rider is covered as a named rider.
How to get the discount
When you request a quote from Velosurance, tell us you are an active member of an IMBA local association. We may ask for reasonable proof of current membership. The discount is applied by Velosurance before your premium is finalized. This is a Velosurance discount — IMBA does not administer, verify, or sponsor it.
Stacking the IMBA discount with the multi-bike discount
Mountain bikers often own more than one bike. A modern trail bike for everyday rides, a hardtail for cross-country events or technical climbing trails, an enduro or downhill bike for bike park weekends, and possibly an e-MTB for longer days or recovery rides. A single Velosurance policy can cover the entire fleet, and the IMBA discount stacks with the multi-bike discount in that scenario.
Two bikes on a policy generate a 10% multi-bike discount. Three or more bikes step the discount up to 15%. The 10% IMBA discount applies in addition, on the same bicycle coverage premium. The combined effect is meaningful, and the math is shown clearly in the quote so the policyholder can see exactly how the discounts interact.
Race coverage and policy extras
IMBA membership does not automatically add race coverage to your policy. Race coverage is a separate selection elected during the quoting process by choosing "competitive usage," and it can be added or removed at any point during the policy term. Riders who race enduro, downhill, or cross-country events typically opt in for the racing season and remove it during the off-season.
Two extras come standard with every Velosurance Physical Damage policy at no additional premium: rental reimbursement (up to $250 per occurrence, no deductible) toward a substitute bike when a covered loss strikes more than 50 miles from the insured location at an organized event, trip, or race, and competitive event fee reimbursement (up to $500 per event, $1,000 per policy year, no deductible) toward nonrefundable entry fees when a covered loss prevents you from competing.
Frequently Asked Questions
Is this an official IMBA program?
No. Velosurance is not affiliated with IMBA and this discount is not an IMBA member benefit. We offer it independently to support riders in the trail advocacy community.
Can a younger rider's bike be covered on a Velosurance policy?
A Velosurance policy must be written in the name of a policyholder who is at least eighteen years old. For young riders, the parent or guardian takes out the policy in their own name and adds the young rider as a named rider on the same policy.
Does the IMBA discount stack with the multi-bike discount?
Yes. The two are separate categories and apply together. A two-bike policy held by an active IMBA member receives the 10% multi-bike discount and the 10% IMBA discount on the bicycle coverage premium. Adding a third bike steps the multi-bike portion up to 15%.
Does my IMBA membership automatically include race coverage on my policy?
No. Race coverage is a separate selection elected during the quoting process by choosing "competitive usage." It can be added or removed at any point during the policy term (for example, opted in for the racing season and removed during the off-season), so the premium tracks actual exposure.
Does the policy reimburse me if a covered loss prevents me from racing or requires a rental?
Yes. Every Velosurance Physical Damage policy includes competitive event fee reimbursement (up to $500 per event, up to $1,000 per policy year, no deductible) and rental reimbursement (up to $250 per occurrence, no deductible) at no extra premium. Both kick in automatically when a covered loss either prevents you from competing in a paid event or requires you to rent a substitute bike during an event, trip, or race more than 50 miles from your insured location.
Save 10% on mountain bike insurance
When you request a quote from Velosurance, tell us you are an active member of an IMBA local association. The discount is applied by Velosurance before your premium is finalized.
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