Where can I review the policy document before I buy?
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You can read the complete policy before you spend a dollar. Download the policy specimen anytime to see the full contract wording: the definitions, the coverages, the exclusions, and the conditions that apply to a covered loss.
The specimen is the same contract language your issued policy will use, so what you read is what you get. Review it alongside your quote to confirm the coverages you selected match what the document describes.
What should I look for when reviewing the specimen?
Start with the definitions and coverage sections, then read the exclusions and conditions, since those set the boundaries of what counts as a covered loss. Pay attention to how the deductible works: it is your share of each and every covered loss, so choose an amount you are comfortable paying out of pocket.
Who stands behind the policy?
The Velosurance bicycle policy is underwritten and issued by Markel American Insurance Company, rated A (Excellent) by A.M. Best. The specimen you download is that insurer's contract wording, and the full background is in who underwrites Velosurance.
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