If you ride a bicycle long enough, the inevitable will happen: you’re going to crash. One moment, you’re happily pedaling along, and the next thing you know, you’re looking up...
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 best 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 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 vehicle contact protection.
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.
Total loss by theft
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.
Medical payments
If you’re hurt and require medical attention, our policy's optional purchase medical payments will take care of your medical bills, up to the selected limit. The policy medical payments are paid directly to you to supplement the deductible of your personal health insurance policy.
Any crash or accidental damage
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 the damage 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.
Damage or loss in transit
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.
Our shop or yours
When filing a claim, you’ll need to provide a repair estimate from a repair shop. We have a nationwide network of partner bike shops that are familiar with our process and can help you speed through your claim. If you prefer to work with your favorite shop, that works too.
Gear and apparel
If you go down in a crash, we cover the bike 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 year. Spare parts that are not installed, such as a spare wheelset, are also covered up to $500 per loss and $1,000 per year.
Your choice of lock
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.
No depreciation
Depreciation is a hidden deductible that increases every year and is applied if the bike 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 you, without depreciation, for the cost of a replacement bike that is of like, kind, and quality similar to your totaled bike.
24/7/365 coverage
We cover the insured bike(s) 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 a bike can be stored away from home. 24/7/365 means every minute of every day, no matter where or when.
Standalone bike insurance
Our standalone policy does not piggyback on coverage provided by the policies you may already have, such as home insurance. A claim will not reflect on your insurance score and will not affect your rates with other insurance carriers. With home insurance rates in the USA going up every year, it’s prudent to reserve it for when you really need it because no matter how expensive your bike is, it’s a lot cheaper than a kitchen fire or a basement flood.
Uninsured motorist coverage
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.
Permissive use
You can lend the bike 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.
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 bike insurance, 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 Bike 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.
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
Baltimore, MD
"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
Los Angeles, CA
"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
San Francisco, CA
Check out Velosurance reviews to see what people are saying about us.
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 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.
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.