About Quintana Roo
Quintana Roo invented the triathlon bike. Dan Empfield founded the company in 1987, and in 1989 he designed the Superform, the first bicycle purpose-built for the sport. Empfield's first product was actually the first triathlon-specific wetsuit, which he sewed himself after working out that the right suit cut seconds per hundred yards in the water. The brand has built triathlon bikes, and almost only triathlon bikes, ever since. Its frames lean on aerodynamic tube shaping and tri-specific geometry, and the V-PRi set the record for the fastest Ironman bike split ever recorded. In February 2025, Quintana Roo became the official bike supplier of IRONMAN. Quintana Roo is based in Chattanooga, Tennessee, and sells direct through a build customizer. The V-PRi, V-PR, and X-PR are the elite triathlon platforms, the SRfive and SRsix are the aero road bikes, and the Service Course family covers fast all-road and draft-legal racing. The entry Espada keeps the brand's purpose-built tri geometry accessible.
Most popular Quintana Roo models
Quintana Roo's triathlon range is built around three platforms. The V-PRi is the flagship, the fastest and lightest bike the brand has made and the one that holds the Ironman bike-split record. The V-PR shares that aerodynamic shaping, and the X-PR uses the same frame mold with more affordable carbon to bring the shape to a lower price. The Espada is the entry point into purpose-built triathlon geometry. The SRfive and SRsix are Quintana Roo's aero road bikes, and the Service Course, Service Course Tri, and Service Route cover fast all-road riding and draft-legal racing. Every Quintana Roo is a purpose-built race machine, and the integrated cockpits and hydration systems push replacement values well past what a homeowner's policy typically covers, which is where standalone triathlon bike insurance fills the gap.
Quintana Roo's flagship triathlon bike, the fastest and lightest the brand has built and the platform that holds the record for the fastest Ironman bike split. Sold as a frameset or a custom build.
Coverage from: $16.00/mo
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Quintana Roo's elite triathlon bike, sharing the aerodynamic frame shaping of the V-PRi in a lightweight carbon layup. The model that replaced the brand's long-running PRseries.
Coverage from: $15.00/mo
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The X-PR uses the same frame mold as the V-PR with more affordable carbon, delivering the same aerodynamic shape at a lower price. Quintana Roo's value-focused elite triathlon bike.
Coverage from: $14.00/mo
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The SRfive is Quintana Roo's aero road frameset, bringing the brand's triathlon aerodynamic philosophy to a drop-bar road platform built for speed.
Coverage from: $11.00/mo
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The SRsix is Quintana Roo's flagship aero road bike, applying the brand's triathlon aerodynamic engineering to a drop-bar road platform. The step up from the SRfive, sold as a frameset or a complete build.
Coverage from: $14.00/mo
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Quintana Roo's fast all-road bike, an aero road platform built for speed and competitive road riding.
Coverage from: $8.00/mo
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A drop-bar triathlon bike built for draft-legal racing and technical courses, pairing road-bike handling with Quintana Roo's tri pedigree.
Coverage from: $8.00/mo
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Why Velosurance is best for your Quintana Roo
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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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.