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.
Insure your Cervelo with Velosurance
Get the best insurance for R5, S5, Caledonia, Caledonia-5, P-series, Aspero, Aspero-5, P5 and other Cervelo models
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About Cervelo
Cervélo is a Canadian manufacturer of racing and track bicycles.The name is a portmanteau of cervello, the Italian word for brain, and vélo, the French word for bike. Founded by Garard Vroomen and Phil White in 1995 with a focus on computational fluid dynamics, CAD and wind tunnel testing to produce the most aerodynamic racing bikes..
Most popular Cervelo models
Cervélo currently makes R5 race bike, S5 aero road bike, Caledonia and Caledonia-5 all-road bikes, P5 and P-Series triathlon bikes, and Aspero and Aspero-5 gravel bikes.
R5
A classic road-racing bike in every sense of the weird. It’s stiff, lightweight with the racing geometry, traditional design and pencil-thin seat stays. It’s been upgraded with hydraulic disc brakes, tubeless tires, electronic shifting and internal cable routing.
Coverage from: $35.00/mo
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S5
A modern take on the aero race bike, upgraded since the 2014 model with electronic shifting, wider 28mm tires, hydraulic disc brakes and a fully-integrated cockpit. The bottom bracket and head tube stiffness has improved by 25% and 13% respectively.
Coverage from: $37.00/mo
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Caledonia
An endurance road bike that brings big ride comfort while keeping the racing DNS intact. With 28mm tire clearance, integrated cable routing, electronic shifting, disc brakes it is a blend of comfort and performance.
Coverage from: $34.00/mo
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Caledonia 5
This lightweight, aero and gravel-capable bike is a do-it-all machine. This bike was designed for racing Paris-Roubaix, to blend the R5 road bike and Aspero gravel bike.
Coverage from: $34.00/mo
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P5
The P5 was designed with the Pro Tour teams and triathletes in mind. It’s the fastest bike Cervélo ever tested. Designed around disc brakes, it has clearance for 28mm tires and integrated Di2 electronic shifting.
Coverage from: $37.00/mo
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P Series
Designed to be a successor of the infamous P2 which has won many podiums, it hits all of its predecessors sweet spots, except now it’s equipped with disc brakes, electronic shifting, onboard storage and a much more adjustable cockpit.
Coverage from: $17.00/mo
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Aspero
Cervélo’s first foray into gravel bike territory, this bike is built for speed. Proven to be a very capable bike on and off tarmac, its geometry and handling make it very versatile. The frame is compatible with mechanical and electronic shifting, comes with a bolt-on tube bag, and hydraulic brakes.
Coverage from: $13.00/mo
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Aspero-5
The top-end version of the already awesome Aspero, it shares identical geometry but with a number of improvements in the frame, including a new carbon fiber layup and cable routing. Capable of both 1x and 2x drivetrains, it can accept both Shimano and SRAM modern drivetrains.
Coverage from: $21.00/mo
Get a free quoteWe cover all types of bikes
Whether you ride the tarmac or shred the gnar, dodge pedestrians, or cruise the beach, you're a member of a special club of people who appreciate the world in a primal way – on two wheels. To keep you rolling, we address the specific risks associated with your discipline.
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 bicycle
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
"Velosurance was speedy, responsive and very clear on claims procedures. I am writing this review with a sense of gratitude as service was beyond my expectations and the speedy reimbursement resulting from the claim helped me get back on the saddle. "
Leonardo C
Denver, CO
"I had my e-bike stolen 2 months after purchasing it. The claim process was straightforward and their customer service was phenomenal. I also love how easy it is to manage an account with all the information on their online portal. Highly recommended for bike owners! "
Rema N
San Francisco, CA
"These guys are the absolute best. Took care of the claim in no time. Covered everything. The whole process was as smooth as you could expect and hope for. Don’t think twice, this is my insurance company for my bike for life.
"Phil H
Miami, FL
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 bicycle insurance
Velosurance was created to give our fellow riders insurance that actually covered their lifestyle and peace of mind that no matter what happens on the road or trail, there would be a helping hand to get them back in the saddle.
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Velosurance story
Velosurance is a national insurance program founded by two avid cyclists, Dave Williams and Denis Voitenko in response to the insurance needs of bicycle riders nationwide.
It all started over tacos
One very rainy day at a local taco joint in Fort Lauderdale we started discussing how badly home and renters policies insured bicycles. We knew there had to be a better way so we set about finding out how we could take a traditional piece of insurance and make it better, much better. On that wet day over tacos, Velosurance was founded.
We partnered with Markel American Insurance Company, an A.M. Best, A rated, US insurance company, and a leader in recreational insurance, to offer a multi-risk bicycle insurance policy providing protection to all types of cyclists, and with none of the silly restrictions that other insurance wants to place on riders.
Nationwide coverage
Velosurance provides our policyholders with nationwide service when a damaged bike needs repair or replacement. Our policyholders are free to choose their preferred service location.
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.