About Rad Power Bikes
Rad Power Bikes has been making award-winning, budget-friendly bikes since 2015. North America's largest e-bike brand, Rad Power Bikes have sold over 100,000 bikes as of 2019. In 2021, Time Magazine included the company in the TIME100 Most Influential Companies.
Most popular Rad Power Bikes models
The company's offerings include commuter RadCity, off-road capable RadRover, folding RadMini, cargo RadWagon, and utility RadRunner model lines. All of Rad Power Bike models are class 2 bikes equipped with a a half-twist throttle and consumer-replaceable batteries.
RadMinis’s successor, this bike comes with an impressive 750W motor and 624Wh battery, as well as a 7 speed drivetrain, this bike is also the lightest in the line-up. This folding bike is perfect for city dwellers with limited storage space.
Coverage from: $8.00/mo
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The fourth generation of the RadWagon is the most versatile yet! Redesigned from frame-up, it features numerous points of adjustability, including a telescoping seat post and adjustable handlebars.
Coverage from: $8.00/mo
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RadMini punches way above its weight. It's a perfect bike for those with limited storage space, such as small apartments. It has fat off-road tires, disc brakes, adjustable seat and handlebars, and an extra smooth 750 watt planetary gear hub motor.
Coverage from: $8.00/mo
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A feature-complete hybrid electric bike that is optimized for city dwellers. It features a USB charger, integrated lights, a rear rack and a modular battery, compatible with other Rad Power Bikes models.
Coverage from: $8.00/mo
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The first moped-style electric bike to hit the market, RadRunner 2 is a stout machine capable of many duties. With over 330 accessory combinations, it can be customized for any mission: it can be a commuter, a grocery getter, a cargo bike or a beach cruiser.
Coverage from: $8.00/mo
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An incremental improvement on the already excellent RadRunner, this bike features the identical frame, but adds a better fork and a 7 speed drivetrain. RadRunner Plus tackles both hilly terrain and off road conditions better than its younger brother.
Coverage from: $8.00/mo
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This mid-fat tire bike rolls on unique 20" x 3.3" tires that provide excellent traction on any terrain. It features an optional passenger kit that converts the rear rack into a proper seat with rest pegs and a skirt guard; a perfect vehicle for taking kids to school and running errands.
Coverage from: $8.00/mo
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Built for those who prefer the path less traveled, this go-anywhere bike is equipped with a 750W geared hub motor, disc brakes, a suspension fork and 4 inch wide fat tires. Integrated battery and auto-activated lights will have you pedaling from dusk till dawn.
Coverage from: $8.00/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.
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 bike insurance
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 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 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
"I had a really great experience with Velosurance. I communicated with Dave and he was always helpful. It’s a really bad day when something gets stolen from you, in my case it was an $1,000 Trek road bike. I’m so thankful I had insurance on the bike. After paying the deductible I would say I got about 75% of that money back. Without insurance I would have gotten nothing. I recommend velosurance to all!"
Madison L
"Your representative, Dan Madsen, was very efficient and fast on following up on my claim. This was the first time I had insurance on my bike and wondered all along about if I ever have a claim, how well it was going to be handled. Well, it was handled so well that I am recommending Velosurance to all my cyclist friends! Once I receive my new bike, I will be adding Velosurance insurance to it. Thanks to Dan and Velosurance for successfully taking care of my claim on a timely matter."
Laura G
"I have had my policy with Velosurance for several years now and can highly recommend them. I insure two road bikes with them and finding the best coverage was straightforward. If one has to file a claim, their customer service is exceptional. They are clear on what documentation is needed and extremely responsive. I also like that they offer global coverage, which is great when traveling abroad."
Thomas B
Check out Velosurance reviews to see what people are saying about us.
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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.