Is anyone riding my bike covered?
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Anyone can ride your insured bike with your permission and stay fully covered. This is a permissive use policy, which means a friend, a training partner, a teammate, or a family member who borrows your bike rides under the same policy conditions and exclusions that apply to you.
The caveat worth knowing: the ride has to be recreational and non-commercial. Food delivery, courier and messenger work, and any other riding where someone is paid for the use of the bike fall outside the policy, a line we break down in what counts as commercial use. When you are unsure whether a rider or a particular ride qualifies, contact Velosurance for clarification before you hand the bike over.
Who Counts as a Permitted Rider?
Any person you give prior permission to. The policy defines an insured as you and any person operating the insured bicycle with your prior permission, so there is no list of names to maintain and no household or relationship requirement. Friends, training partners, teammates, and family members all qualify, including underage children riding with your permission.
What Coverage Follows the Bike When Someone Else Rides It?
All of it. Theft and crash damage apply exactly as they would if you were in the saddle, and any optional coverages you purchased come along too, including liability up to your selected limit if the borrowing rider injures someone or damages property. Racing counts as normal use of the bicycle and is covered when you add the optional racing coverage, so a teammate riding your bike in an event is covered on the same terms you are.
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