Velosurance is not affiliated with, sponsored by, or endorsed by USA Cycling. This discount is offered independently by Velosurance and is not a USA Cycling member benefit. "USA Cycling" is a trademark of USA Cycling, Inc., used here only to identify eligible riders.
An independent discount from Velosurance
Velosurance independently offers a 10% discount on the bicycle coverage premium to riders who hold a current annual USA Cycling membership or license. We offer this discount on our own initiative: licensed riders train and race regularly, maintain their equipment carefully, and understand the real cost of crash damage — exactly the riders our coverage is built for.
USA Cycling is the national governing body for competitive cycling in the U.S.
Who qualifies
If you hold a current annual USA Cycling membership or license of any type, you qualify. Single-day and event-day licenses do not qualify. Membership categories, license types, and pricing are set by USA Cycling and can change — check usacycling.org for current options.
For riders under 18, a parent or guardian (18+) holds the policy and the young rider is covered as a named rider.
Velosurance confirms your membership status when your policy is issued and at each renewal. This verification is performed by Velosurance — USA Cycling does not administer, verify, or sponsor this discount.
How to get the discount
When you request a quote from Velosurance, tell us you hold a current annual USA Cycling membership or license. We may ask for reasonable proof of current membership. The discount is applied by Velosurance before your premium is finalized — no coupon code needed.
Stacking the USA Cycling discount with other Velosurance discounts
USA Cycling members who insure more than one bike on the same policy qualify for both the USA Cycling discount and the multi-bike discount. A road racer who also owns a cyclocross or gravel bike for off-season training, for example, gets a 10% multi-bike discount and a 10% USA Cycling discount on a two-bike policy. Adding a third bike steps the multi-bike discount up to 15% while the USA Cycling discount remains at 10%.
Coverage that matters to USA Cycling members
Race-day risk is the obvious concern for any licensed cyclist, but it is rarely the largest exposure. Most claims that Velosurance pays for racing cyclists involve damage or theft outside of sanctioned events: a chase vehicle that left a bike on a roof rack overnight, a hotel parking garage that was less secure than expected, a training-ride crash on a wet descent, a frame damaged in transit on the way to a stage race. Velosurance policies cover all of these scenarios within the United States, with optional worldwide coverage available for athletes who race or train abroad.
Crash damage is a particularly important coverage for racers. A high-speed crit crash can total a $10,000 race bike in a single second, and most homeowners and renters policies either exclude crash damage entirely or treat it as a depreciated personal property claim. Velosurance pays out at the agreed value, which is set when the policy is issued and does not depreciate over the bike's life.
Theft and travel coverage apply whether the bike is taken from a vehicle, a hotel room, or a race venue, and whether it is shipped, driven, or flown to its destination. Liability coverage, when added, protects the policyholder against claims arising from incidents involving other riders, pedestrians, or vehicles — a real concern for cyclists who train on shared roads and ride in fast group settings.
One important note for USA Cycling members: holding an active USA Cycling membership does not automatically add race coverage to a Velosurance 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. Many racers opt in only for the duration of their racing season and remove the coverage during the off-season, which keeps the premium aligned with actual exposure.
Two extras built into every Velosurance Physical Damage policy are especially relevant for USA Cycling members who race.
Rental reimbursement pays up to $250 per occurrence toward a substitute bike when a covered loss takes your bike out of commission while you are more than 50 miles from the insured location for an organized event, trip, or race, with no deductible.
Competitive event fee reimbursement pays up to $500 per event (and up to $1,000 per policy year) toward nonrefundable entry fees when a covered loss prevents you from competing, and it can be used twice per policy year for separate events. Both come standard, at no additional premium.
Frequently Asked Questions
Is this an official USA Cycling program or member benefit?
No. Velosurance is not affiliated with USA Cycling, and this discount is not part of USA Cycling's official member benefits. We offer it independently to support riders who race and train under a USA Cycling license.
Are one-day or event-day USA Cycling memberships eligible?
No. Single-day and event-day licenses do not qualify for the Velosurance discount. If you upgrade to a current annual USA Cycling membership or license during the policy term, you can notify Velosurance and have the discount applied prospectively.
Can a junior racer's bike be covered on a Velosurance policy?
Yes. 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 junior as a named rider on the same policy.
Does the USA Cycling discount stack with the multi-bike discount?
Yes. The two are separate categories and apply together. A two-bike policy held by a USA Cycling member receives both the 10% multi-bike discount and the 10% USA Cycling discount on the bicycle coverage premium. Adding a third bike steps the multi-bike portion up to 15% while the USA Cycling discount remains at 10%.
What happens to my discount if my USA Cycling membership lapses during the policy term?
The discount is honored through the end of the policy term in which the membership lapsed. Renewal of the discount the following year depends on whether the underlying USA Cycling membership has been renewed by the time Velosurance verifies status at policy renewal.
Does my USA Cycling 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.
Save 10% on bicycle insurance
When you request a quote from Velosurance, tell us you hold a current annual USA Cycling membership or license. The discount is applied by Velosurance before your premium is finalized — no coupon code needed.
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