About Factor
Factor builds bikes the way Formula 1 builds cars. The brand started in 2007 in Norfolk, England as an offshoot of bf1systems, a company that made advanced carbon components for F1 teams. That engineering background still defines Factor: the company owns its own manufacturing facilities in Taichung, Taiwan and China, which lets it run tighter tolerances and offer deep customization. Factor races at the top. It sponsored the Israel-Premier Tech WorldTour team through 2025, and former time-trial specialist David Millar joined as brand director in 2025. The brand's Black Inc subsidiary builds the carbon wheels and components that finish many of its bikes. Factor's lineup is built around performance racing. The Ostro VAM and O2 VAM are the aero road platforms, the Monza brings the shape to a more accessible price, and the Slick is the time-trial bike. Off pavement, the Ostro Gravel, LS, and Aluto cover gravel racing, and the Lando XC and Lando HT are Factor's cross-country mountain bikes.
Most popular Factor models
Factor's road range is all race. The Ostro VAM is the aero all-rounder ridden by Factor's sponsored pros, the O2 VAM is the aero climbing bike built to be light and fast at once, and the Monza refines the same formula to reach more racers. Every frame comes from Factor's own carbon facilities. On dirt, the Ostro Gravel is the gravel race bike, the LS is the lightweight 950-gram gravel racer, and the Aluto is the aluminum option. The Lando XC and Lando HT are Factor's cross-country mountain bikes, and the Slick is the time-trial machine. The Slick's aero integration and the replacement values across Factor's carbon range are exactly what a standalone triathlon bike insurance policy is built to protect.
Factor's aero all-round race bike and the platform its sponsored pros ride. The second-generation frame shed around 270 grams from its predecessor, with a quoted 820-gram frame weight.
Coverage from: $25.00/mo
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Factor's aero climbing bike, built to be light and fast at the same time. The frame for riders who want a climber that does not give up speed on the flats.
Coverage from: $29.00/mo
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Factor's accessible race bike, refining the Ostro VAM formula to reach more racers. A genuine aero road bike at a lower price point.
Coverage from: $18.00/mo
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Factor's gravel race bike, bringing the brand's road-race engineering to drop-bar dirt with clearance for wider tires.
Coverage from: $25.00/mo
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Factor's lightweight gravel racer, with a 950-gram frame and road-bike handling. Built for racers, with clearance for up to 43mm tires.
Coverage from: $12.00/mo
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Factor's aluminum gravel bike, launched in 2025 as the accessible entry into the brand's gravel range.
Coverage from: $18.00/mo
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Factor's lightweight full-suspension cross-country mountain bike, a 29er with race-oriented geometry built for XC racing and marathon events.
Coverage from: $19.00/mo
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Why Velosurance is best for your Factor
Velosurance is a stand-alone policy that covers theft and accidental damage and can be optioned to create a comprehensive umbrella of protection for your cycling lifestyle.
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 🔥
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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.