Velosurance + Factor
4.9★
234 Google reviews
$8/mo
Starting premium
100%
Replacement cost
A-rated
A.M. Best underwriter

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.

Factor bike lineup 9 models shown

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 Ostro VAM
Ostro VAM
MSRP $5,999 – $12,599

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.

$25/mo
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Factor O2 VAM
O2 VAM
MSRP $6,899 – $13,499

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.

$29/mo
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Factor Monza
Monza
MSRP $4,099 – $7,199

Factor's accessible race bike, refining the Ostro VAM formula to reach more racers. A genuine aero road bike at a lower price point.

$18/mo
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Factor Ostro Gravel
Ostro Gravel
MSRP $5,999 – $11,699

Factor's gravel race bike, bringing the brand's road-race engineering to drop-bar dirt with clearance for wider tires.

$25/mo
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Factor LS
LS
MSRP $2,700 – $6,999

Factor's lightweight gravel racer, with a 950-gram frame and road-bike handling. Built for racers, with clearance for up to 43mm tires.

$12/mo
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Factor Aluto
Aluto
MSRP $4,099 – $9,799

Factor's aluminum gravel bike, launched in 2025 as the accessible entry into the brand's gravel range.

$18/mo
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Factor Lando XC
Lando XC
MSRP $4,499

Factor's lightweight full-suspension cross-country mountain bike, a 29er with race-oriented geometry built for XC racing and marathon events.

$19/mo
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Factor Lando HT
Lando HT
MSRP $3,599 – $7,099

Factor's carbon hardtail 29er, built for cross-country racers, gravel-crossover riders, and marathon enthusiasts.

$15/mo
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Factor Slick
Slick
MSRP $5,499 – $11,399

Factor's time-trial and triathlon bike, with industry-leading aerodynamics and the integration that fast race courses demand.

$23/mo
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Why Velosurance

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.

A-rated
A.M. Best underwriter
$8/mo
Starting premium
4.9★
234 Google reviews
15
years in business
Ready to ride covered

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