Countless cyclists eagerly anticipate the arrival of summer’s warm weather, longer daylight hours, green landscapes, and cycling events However, for others, summertime means scorching sunshine and soaring temperatures
Velosurance is a national insurance agency founded by two cyclists in response to the insurance needs of bicycle riders nationwide. We partnered with an A.M.Best “A” rated, US insurance company to provide a multi-risk policy offering protection to all types of cyclists.
Gravel Bike Insurance
No matter where your adventures take you, protect your gravel bike and yourself from the unexpected with America's favorite bicycle insurance.
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Best insurance for your gravel bike
Whether the accident is a simple mishap or a someone's negligence, and if it happens on a ride, at home, or in transit, it's covered.
Crash Damage
Your bike is covered if it’s damaged in a crash. On a road or trail, a group ride or a race, if it’s damaged in an accident, it’s covered.
Theft Coverage
If your bike is stolen from your home, car, workplace or any other secure location, it’s covered.
Medical Coverage
If you’re hurt, we'll cover some of your medical bills, up to the policy limit. This coverage pays to supplement the deductible of your personal health insurance policy.
Why you need Velosurance for your gravel bike
Gravel bikes are adventure machines designed for exploring both paved and off-road terrain, and both come with their unique set of risks. Accidents, thefts, and damages are common occurrences that can leave you without a functioning bike, and maybe even a hefty bill. With bicycle insurance coverage, you can have peace of mind knowing that you are protected in case of unforeseen circumstances. Gravel biking is a thrilling experience, but it's essential to protect your investment with insurance, so you can enjoy your adventure without worrying about the costs of repairs or replacements.
Gravel bike crash damage coverage
On a road or trail, a group ride or a race, if it’s damaged in an accident, it’s covered.
Gravel biking is physically demanding and takes part on unprepared surfaces where accidents tend to happen. While most crashes are minor and should be seen as learning experiences, sometimes accidents can lead to significant damage. Those are the moments you wished you had insurance. Bicycle insurance can provide peace of mind and cover the cost of repairs or replacement for a damaged bike, especially since gravel bikes rarely fare well in slide-out and side-impact situations. Our basic policy covers up to $500 for riding apparel, gloves, shoes, sunglasses, and the helmet, as well as spare wheelsets or parts up to $500 per loss, with a $1,000 limit for the policy term.
Gravel bike theft coverage
If your bike is stolen from your home, car, workplace or any other secure location, it’s covered.
Gravel bikes, like any other valuable property, can be stolen. There are a few ways that a gravel bike can be stolen, including theft from home or garage or from a vehicle parked in a public place. Thieves target gravel bikes due to their high value, exceptional popularity, or because they are easy to sell. To prevent theft, it is essential to secure your bike with a sturdy lock, store it in a secure location, and take precautions while transporting it. Unfortunately, even well-secured bikes get stolen occasionally. Having insurance for your bike can provide financial protection and minimize downtime by helping cover the cost of replacement.
Medical coverage
This optional coverage will pay the leftover bills once your primary health insurance has paid its share.
Riding on unpaved roads at high speeds is as exhilarating as it is dangerous. Gravel biking carries a relatively high risk of injury, which riders must accept before hopping in the saddle. Even minor injuries become more likely with frequent riding, with the possibility of a serious injury that requires extensive medical treatment. Riding without proper health coverage is not recommended, as even a broken collarbone or torn ligament could result in a significant medical bill. Velosurance offers medical payment coverage as an option to cover the leftover medical expenses not covered by primary health insurance, including deductibles and copays.
America's favorite gravel bike insurance
Our policy offers a wide range of optional coverages to eliminate or minimize risks of cycling lifestyle.
Race Coverage
Damage due to a crash while racing is covered with an optional coverage.
Liability Coverage
We will protect you from personal liability (injury, sickness, death, or damage to property) you cause while riding your bike.
Worldwide Coverage
If your travels take you outside of the USA and Canada we can extend the policy's physical damage and theft coverage worldwide for a reasonable additional premium. This also covers the bike while in transit by the airline.
E-gravel bike coverage
Our normal coverages also extend to e-bikes, including electric gravel bicycles.
Once a touchy subject, there's no doubt in anyone's mind that electric bikes are here to stay. Out of all types of bikes that benefit from electrification, gravel bikes truly stand out. With electric assist, gravel bikes become ultimate adventure machines, allowing riders to go farther and faster both on tarmac and off the beaten path, away from traffic. They also help level the field by allowing beginner riders to train with faster partners. Velosurance offers insurance policies that cover Class 1, 2, and 3 electric gravel bikes for theft and accidental damage, with optional coverages including liability, medical payments, and vehicle contact protection.
Coverages and features
Velosurance core policy offers must-have protection such as accidental damage, theft, or loss in transit. Each policy can be customized by adding additional coverages such as liability protection, uninsured motorist coverage, and medical gap coverage.
Total Loss by Theft
Bikes are very easy to steal and equally difficult to recover and a hefty U-lock doesn’t guarantee that your bicycle will remain yours when you return. Velosurance provides the peace of mind when your bike is stolen or damaged in the process.
Medical Coverage
If you’re hurt, we'll cover some of your medical bills, up to the policy limit. This coverage pays to supplement the deductible of your personal health insurance policy.
Any Crash or Accidental Damage
The cyclist insurance policy will pay to replace the bike when the bike is accidentally damaged beyond repair. If the damage can be repaired, the policy will pay all the costs associated with the repair. Cosmetic damage is excluded.
Damage or Loss in Transit
Bikes often get damaged in transit, by airline and courier services alike. Filing a claim with these is a notoriously difficult process with a questionable outcome. Velosurance covers your bike while it is on it’s way to your destination.
Electric Bicycle Coverage
We cover all electrically assisted Class 1, 2 and 3 bikes with a maximum assisted speed of 28 mph All coverages available for conventional bikes also apply to e-bikes.
Liability Protection
We will protect you from personal liability (injury, sickness, death, or damage to property) you cause while riding your bike.
Worldwide Coverage
If your travels take you outside of the USA and Canada we can extend the policy's physical damage and theft coverage worldwide for a reasonable additional premium. This also covers the bike while in transit by the airline.
Your bike - your choice
Nationwide Bike Shop Repair. It's your bike and where you get the bike repaired is your choice.
Gear and apparel
If your apparel, such as helmet, shoes, glasses or riding kit is damaged in an accident, it's covered up to $500. Spare parts, such as a racing wheelset are also covered up to $500, up to $1,000 per policy term.
Race Coverage
Damage due to a crash while racing is covered with an optional coverage. In the heat of a race, the focus on speed often outweighs concerns for safety, leaving little margin for error. In the unfortunate event of a crash, the racing coverage option will provide coverage for your bike.
Why Velosurance is best for your gravel bike
Not all types of insurance are created equal. Velosurance levels the playing field by offering a stand-alone bike insurance policy, where claims will not affect your homeowner or renters policy premiums.
| Policy Coverage | Home Owner/Renters Policy |  |
|---|---|---|
| Insured at Full Value | Possibly | Yes |
| Crash Damage | No | Yes |
| Theft Coverage | Limited | Yes |
| Theft Away From Home | Possibly | Yes |
| Vehicle Contact | No | Yes |
| Personal Liability | Possibly | Yes |
| Replacement Bike Rental | No | Yes |
| Event Fee Return | No | Yes |
| Cycling Apparel Insured | No | Yes |
| Medical Payments | Possibly | Yes |
| Racing Coverage | No | Yes |
| Electric Assist Bicycles | No | Yes |
| Bicycle Airline Shipping Coverage | No | Yes |
| FREE INSTANT QUOTE |
Customer Stories
Client satisfaction is our #1 goal. Here's what our clients say about Velosurance
"Thank you so much to Velosurance!! My Ebike was stolen recently while on a trip to Minneapolis.. I was so bummed to lose it and I wasn't sure if it would even be covered.. Dan Madsen and Velosurance were very understanding and covered my claim in full.. "
![Piper D]( "Piper D")
Piper D
"Velosurance is great! I’ve had them for 5 years now and it gives me peace of mind knowing that I have my bike stuff covered. I have made a few claims and everything was taken care of and solved in a timely manner. Definitely recommend getting velosurance. "
![Steven G]( "Steven G")
Steven G
"I have insured my bikes with Velosurance for 10 years and had to make two claims. Once I damaged my wheels on vacation, the second I was hospitalized after a massive crash. They were incredibly responsive both times, and made a stressful time incredibly easy. "
![Gary K]( "Gary K")
Gary K
Contact Us
'Convinced yet? Let's make something great together.
If you have any questions, don't hesitate to get in touch with us.'
America's favorite gravel bike insurance
No matter where your adventures take you, protect your gravel bike and yourself from the unexpected with America's favorite bicycle insurance.
Free instant quote
Our mission
The Velosurance mission is to be fair to everyone involved, and to offer our best advice to clients so they can make an educated decision about their bicycle insurance coverage. We also like to ride as much as possible.
We are riders too
Bicycle prices increase every year and cyclists who are serious about their sport are spending big money on high value bikes. Other forms of insurance, like homeowners and renters insurance, do a poor job insuring high value bicycles so we founded Velosurance to fix that.
Velosurance provides a stand-alone, no bike value depreciation, bicycle insurance policy to replace the cobbled together, sub standard coverages offered by traditional insurance.
We are cyclists just like you, and we understand that when your bike gets damaged in an accident you want the shortest possible downtime. We make it our mission to see that your claim check arrives before the repair parts do and you get back pedaling as soon as you want to.
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Velosurance discounts
Members of USA Cycling, USA Triathlon, and International Mountain Bicycle Association (IMBA) receive discounts on Velosurance bicycle insurance products.
Velosurance provides bicycle insurance policies in the following states: Alabama, Arkansas, Arizona, California, Colorado, Connecticut, D.C., Delaware, Florida, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Massachusetts, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, North Carolina, New Hampshire, New Jersey, New Mexico, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin.