About Ducati
Ducati started as an electronics company. Antonio Cavalieri Ducati and his sons founded the business in 1926 in Bologna, Italy, building radio components and vacuum tube parts. The connection to two-wheeled transport came after World War II, when Ducati licensed and manufactured the Cucciolo, a 48cc clip-on engine designed to fit a standard bicycle frame. Launched in 1946, the Cucciolo sold more than 200,000 units and financed Ducati's transition into motorcycles. The technical identity that defines Ducati today traces directly to Fabio Taglioni, who joined the company in 1954 and developed the desmodromic valve train. Desmo closes valves mechanically rather than by spring force, allowing higher engine speeds and tighter tolerances. That architecture powered Ducati's MotoGP and Superbike programs through decades of championship racing. Ducati is now part of the Volkswagen Group via Audi AG, which acquired the brand in 2012. In 2022, Ducati re-entered the bicycle market with a line of electric bikes developed in collaboration with Italian e-bike engineers. The lineup applies the brand's motorsport identity to premium e-mountain bikes and gravel e-bikes built for riders who expect race-grade hardware.
Most popular Ducati models
Ducati's bicycle lineup is compact by design: three e-mountain bikes and two gravel e-bikes, all positioned at the premium end of the market and built to carry the brand's motorsport credibility into cycling. The MIG-S is the full-suspension enduro e-MTB, built for technical descents and sustained climbing with motor assist tuned for trail riding rather than commuting. The TK-01RR is the hardtail counterpart: lighter, geometry dialed for XC speed, available in standard and Limited Edition spec with higher-end component builds. Both carry Ducati's signature red livery and are priced accordingly. Riders who bring these to the trails find that dedicated mountain bike insurance from Velosurance covers their Ducati at full replacement value against theft, crashes, and transit damage. The FUTA and FUTA Limited Edition round out the range as gravel e-bikes, fitted with drop bars and wider tire clearance for mixed-surface riding. The Limited Edition builds use upgraded componentry and more aggressive graphics. Across the entire bicycle lineup, every model carries the same brand expectations as a Ducati motorcycle: precision hardware, distinctive Italian styling, and a price tag that makes a dedicated insurance policy worth the cost.
An all-mountain e-mtb rolls on 29” in the front nad 27.5” in the rear with a Marzocchi Bomber z2 fork with 150mm of front travel and Fox Float TPS in the rear with 140mm of travel. Powered by Shimano EP8 mid-drive motor producing 85Nm of torque and pedal assistance up to 400% of rider’s input.
Coverage from: $22.00/mo
Get a free quote
Equipped with the Shimano EP8 motor powered by a 630Wh battery and 180/170mm of travel courtesy of Öhlins suspension, this bike is a trail slayer, the ultimate machine for a self-shuttling weekend.
Coverage from: $18.00/mo
Get a free quote
TK-01RR’s big brother adds a slew of carbon fiber parts, albeit the frame remains aluminum. Only 169 examples of this bike will be produced worldwide.
Coverage from: $20.00/mo
Get a free quote
This road e-bike looks nothing like an e-bike. A rear-hub FSA System HM 1.0 with 250W and 42Nm of torque is powered by a 250Wh battery integrated in the downtube. This sleek carbon bike is equipped with FSA K-Force WE groupset with 2x12-speed wireless electronic shifting hydraulic disc brakes and carbon fibre cranks.
Coverage from: $25.00/mo
Get a free quote
We 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.
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 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 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 shops familiar with our process to help you move things along quickly. Prefer your favorite local shop? That works too.
Gear and apparel
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.
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 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.
24/7/365 coverage
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.
Standalone policy
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.
Permissive use
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.
Why Velosurance is best for your bicycle
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
I train and race with peace of mind knowing my bike and gear are protected. Easy, clear, and reliable.
If you're a serious cyclist, this is a must 🔥
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.