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 gap insurance for cyclists as an option to cover the leftover medical expenses not covered by primary health insurance, including deductibles and copays.
America's best 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 uninsured motorist coverage.
Coverages and Features
Velosurance 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, and medical payments. Select any coverage to see the details.
Bicycles are very easy to steal and equally difficult to recover, and even a hefty U-lock doesn’t guarantee your bike is still there when you return. Velosurance provides peace of mind if it is stolen or damaged in the process.
Our policy will pay to replace your ride if it is accidentally damaged and beyond repair, including damage that occurs while being carried on or in your vehicle. If it can be repaired, we will pay all the costs associated with the bike's repair, including tax, labor, and shipping, minus the deductible. Cosmetic damage that does not affect safety is excluded.
Our policy optional coverage purchase will protect and defend you from your personal liability (injury, sickness, death, or damage to property, including fire damage) that you are found legally liable for. Coverage limits offered: $25,000, $50,000, $100,000, $300,000 or $500,000 per occurrence.
E-bike liability insurance →If you’re hurt and require medical attention, our optional medical gap will take care of your medical bills, up to the selected limit. The payments are paid directly to you to supplement the deductible of your personal health insurance policy.
Medical gap insurance →Depreciation is a hidden deductible that increases every year and is applied if the bicycle is stolen or totaled. No one is ever happy with an Actual Cash Value insurance settlement: the bike is first devalued, and then a deductible is applied, resulting in a reimbursement that is far less than the cost of a replacement. We reimburse without depreciation, for the cost of a replacement that is of like, kind, and quality similar to your totaled bike.
One of the scariest things that can happen to a cyclist is getting hit by a car. This coverage will pay for medical expenses, physical therapy, mental health services, lost wages, and other expenses that arise from a bicycle-car accident.
Uninsured motorist insurance →We cover all electrically assisted Class 1, 2, and 3 bikes with a maximum assisted speed of 28 mph. All protections available for conventional bicycles also apply to electric ones.
E-bike insurance →Bikes often get damaged in transit by personal vehicles, airlines, or courier services. Filing a claim with the airlines and courier services is a notoriously difficult process with a questionable outcome. We cover the insured bicycle for loss or damage while it's on its way to or from your destination by air or road. Even if it falls off a vehicle rack or is hit in a rear-end accident, it is covered, no arguments.
Bicycle travel coverage →If you go down in a crash, we cover your ride as well as your apparel, such as helmet, shoes, glasses, or riding kit that are torn up, and pay up to $500 per accident and $1,000 per term. Spare parts that are not installed, such as a spare wheelset, are also covered up to $500 per loss and $1,000 per year.
Our policy does not piggypack on any coverage you may already have, such as homeowners policies. Filing a claim won’t impact your rates with other carriers. With home insurance premiums rising each year in the U.S., it’s wise to reserve that policy for major incidents, because no matter how valuable your bike is, it’s still a lot cheaper than a kitchen fire or a flooded basement.
We cover the insured bike at all times, anywhere in the USA and Canada, and can be extended worldwide on request. There are no exclusions on the time of day or limitations on how long it can be stored away from home. 24/7/365 means every minute of every day, no matter where or when.
In the heat of a race, the focus on speed often outweighs concerns for safety, leaving little margin for error. If you go down in a crash, this optional coverage takes care of repairs or replacement. If you use your bike in a competitive environment, this is a no-brainer because it offers protection in the highest-risk category.
Bicycle racing insurance →If your travels take you beyond the USA and Canada, for a small additional premium, this option extends the physical loss and damage protection, including loss or damage caused by an airline, to any country in the world.
International coverage →You can lend it to anyone you choose, and it will be covered. The bike and the person riding it are covered as if it were you riding it‚ this includes theft and crash damage as well as any purchased optional coverages.
We do not dictate what type or brand of lock must be used to protect your ride from theft – you are welcome to use any lock that you trust. The best security is provided by metal locks combined with a high-quality chain. Securing your ride to a solid and immovable object, such as a bike rack, with a high-quality lock will send the thief onto the one secured with a more vulnerable lock.
Why Velosurance is best for your gravel bike
Not all types of insurance are created equal. Velosurance levels the playing field by offering stand-alone bicycle coverage, where claims won’t affect your homeowner's or renter’s policy premiums.
| Policy Coverage |  | Homeowner/Renters Policy |
|---|---|---|
| Insured at Full Value | Yes | Possibly |
| Crash Damage | Yes | No |
| Theft Coverage | Yes | Limited |
| Theft by Force | Yes | No |
| Theft of Accessories | Yes | Limited |
| Theft Away From Home | Yes | Possibly |
| Vehicle Contact | Yes | No |
| Personal Liability | Yes | Possibly |
| Permissive Use Policy | Yes | No |
| Replacement Rental | Yes | No |
| Event Fee Return | Yes | No |
| Cycling Apparel Coverage | Yes | No |
| Medical Payments | Yes | Possibly |
| Racing Coverage | Yes | No |
| E-bikes | Yes | No |
| Coverage in-transit | Yes | No |
| USAC, USAT and IMBA Member Discount | Yes | No |
| FREE INSTANT QUOTE |
Not all insurance policies provide the same level of protection, and many people only discover gaps in their coverage after filing a claim. We’ve done the hard work of reviewing the fine print. To see how plans compare, check out our insurance comparison.
Client satisfaction is our #1 goal. Here's what our clients say about Velosurance
Velosurance really stepped up and put me at ease. The claim was fast and easy. I am insuring all my bikes now.
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Frequently Asked Questions
- What does gravel bike insurance cover?
- The core policy is all-risk, meaning anything not specifically excluded is covered: crash and accidental damage on pavement or gravel, theft subject to the policy's locking conditions, and loss or damage in transit by car, airline, or courier. Optional coverages add liability, medical gap, uninsured motorist, racing, and worldwide protection. Physical damage claims are subject to the deductible.
- How much does gravel bike insurance cost?
- Policies start at $100 per year, about $9 a month, and the insured value of the bike sets most of the premium. Your location, deductible, and elected coverages fine-tune the number. Insuring two bikes on one policy saves 10%, three or more saves 15%, and active USA Cycling members take another 10% off.
- Does the policy cover a slide-out on loose gravel?
- Yes. Crash and accidental damage coverage applies no matter how the crash happens, including slide-outs and side impacts, the situations gravel bikes fare worst in. The policy pays to repair the bike or, if it is beyond repair, pays the value you insured it for, minus the deductible. Cosmetic damage that does not affect function is excluded.
- Are my helmet, kit, and spare wheelset covered?
- Yes. Riding apparel, gloves, shoes, sunglasses, and your helmet are covered up to $500 when damaged in a crash, with a $1,000 policy term limit. Spare parts are covered up to $500 per loss with the same $1,000 policy term limit, which includes the second wheelset many gravel riders keep for road duty.
- Is my bike covered against theft at a trailhead or cafe stop?
- Yes, theft is covered at home and away. At home, the claim requires signs of forcible entry; away from home, the bike must be locked to an immovable object with an appropriate security device. Velosurance doesn't stipulate which lock you use: any lock designed for securing bikes is acceptable, as long as it's appropriate for the job. Every theft claim requires a police report, so file one the same day.
- Are Class 1, Class 2, and Class 3 electric gravel bikes covered?
- Yes, all three classes are covered like conventional gravel bikes. Theft and accidental damage fall under the core policy, with optional liability, medical gap, and uninsured motorist coverage available. High-power electric dirt bikes are not covered.
- Does the policy cover gravel racing?
- Yes, when racing coverage is elected on the bike. This optional coverage insures crash damage in organized competition, from a local grinder to a multi-day stage race, and it must be in place before the accident. Group rides and training days fall under the core policy, so add racing coverage before the season starts.
- Which optional coverages make sense for a gravel rider?
- Medical gap and liability fit the way gravel is ridden: long days on remote roads where an injury is the main risk, and group rides where you can injure someone or damage their property. Medical gap reimburses your out-of-pocket medical costs (deductible, copays, coinsurance) after your health plan pays its share. Liability pays for your defense and covered settlements if you're found at fault for an accident and sued. For either coverage to apply, it must be elected before the accident.
America's best gravel bike insurance
No matter where your adventures take you, protect your gravel bike and yourself from the unexpected with America's best bicycle insurance.