Velosurance + Santa Cruz
4.9★
259 Google reviews
$9/mo
Starting premium
100%
Replacement cost
A-rated
A.M. Best underwriter

About Santa Cruz

Santa Cruz Bicycles was founded in 1994 by Rob Roskopp in Santa Cruz, California. Roskopp came from professional skateboarding, and his entry into mountain biking was driven by a rider’s instinct: build bikes that felt alive on the trail. The company’s first bike was the Tazmon, a full-suspension design released at a time when most manufacturers were still debating the value of rear suspension.

The technical signature is the Virtual Pivot Point (VPP) rear suspension system, developed with engineer Brian Nogueira in the late 1990s. VPP uses two short links and two pivots to generate a rear axle path that decouples pedaling forces from suspension movement. Santa Cruz holds patents on the system and builds most of its full-suspension lineup around it. The result is bikes that pedal efficiently and react independently when the wheel strikes an obstacle.

Pon Holdings, a Dutch mobility conglomerate, acquired Santa Cruz in 2015 alongside Cervelo and Cannondale. Racing representation includes Greg Minnaar on the V10 in downhill World Cup competition, with Enduro World Series and XC coverage across other models. Design and product development remain based in Santa Cruz, California.

Santa Cruz bike lineup 9 models shown

Most popular Santa Cruz models

Cross-country runs through two platforms. The Highball is a carbon hardtail for XC racing and fast trail riding, running 29-inch wheels with no rear suspension. The Blur is the full-suspension XC option, with 120mm of VPP-linked travel and geometry shaped around climbing efficiency and race-day performance.

Trail bikes span a wide range of travel. The Tallboy is the versatile 29er with 130mm of rear travel for mixed terrain, and the 5010 is the 27.5 trail alternative that delivers a poppier, more playful feel at similar travel. The Hightower scales up to 145mm for riders who want more range and capability. The Bronson is the enduro platform with 150mm rear and a 160mm fork, and the Megatower pushes to 160mm rear and a 170mm fork for long-travel 29er enduro performance.

The Nomad runs 27.5 wheels at 170mm of travel for bike park and steep descents. The V10 is the dedicated downhill machine, with over 200mm front and rear built for World Cup DH racing. The Heckler extends the lineup as the flagship e-MTB with a Bosch Performance Line CX motor, and the Stigmata is a carbon gravel option for mixed-surface riding and cyclocross racing. With Santa Cruz bikes priced from around $3,000 to over $12,000, dedicated mountain bike insurance from Velosurance covers your build at full replacement value against theft, crash damage, and transit loss.

Santa Cruz Highball
Highball
MSRP $2,700 – $8,300

One of the lightest race-oriented hardtails on the market, it’s designed to appeal to XC purists. Its relaxed geometry makes it more composed and comfortable hardtails around. Capable of carrying 3 bottles, it’s a perfect bike for short track races and marathon events alike.

$12/mo
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Santa Cruz Blur
Blur
MSRP $3,300 – $11,000

A product of relentless engineering and real-world testing at races around the world, Blur will keep both short track for multi-day epic racers going and asking for more. Built around 29” wheels and sporting 100 to 120 mm of suspension, this is a true race-ready short-travel 29” that should not be overlooked. It’s light, capable and is made to go the distance.

$15/mo
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Santa Cruz Tallboy
Tallboy
MSRP $2,500 – $11,500

Positioned at the very extreme of short-travel 29er range, Tallboy features 130mm of front suspension and 120mm in the rear. Designed on lower-link VPP suspension and 65.5-degree head-angle, it’s extremely efficient going both up and down the trail.

$12/mo
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Santa Cruz 5010
5010
MSRP $2,800 – $11,000

Designed for riders who like to play around on the trail, hitting all the extra credit lines, 5010 is built around 27.5” wheels and features 140mm of travel in the front and 130mm in the rear. Whether you’re weaving through the trees or launching rocks, it feels sure footed and nimble.

$13/mo
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Santa Cruz Hightower
Hightower
MSRP $2,500 – $11,500

Lower-link mounted shock, adjustable geometry, and progressive suspension make Hightower one of the most versatile do-it-all bikes around. Huge 150mm front and 145mm rear travel with a nearly linear leverage curve gives Hightower enough travel to ride the park and steep-and-chunky with confidence, and do all-day-long epics on off days.

$12/mo
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Santa Cruz Bronson
Bronson
MSRP $3,500 – $11,500

A mixed wheel bike that’s designed to be playful and poppy on backcountry trails that stay composed plowing through technical terrain. It can accept 27.5”+ chubby tires so you can keep playing even when the terrain gets lose and sloppy.

$16/mo
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Santa Cruz Heckler
Heckler
MSRP $8,000 – $13,500

Santa Cruz's flagship e-MTB — Bosch Performance Line CX motor with 85Nm of torque, 600Wh integrated battery, 160mm rear / 170mm front travel. Mixed wheels (29er front / 27.5 rear) and the full VPP suspension platform.

$36/mo
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Santa Cruz Stigmata
Stigmata
MSRP $3,800 – $9,000

Santa Cruz's cyclocross and gravel platform — 700c wheels, 45mm tire clearance, dropper-post compatible. Built for cyclocross racing, gravel competition, and bikepacking.

$23/mo
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Santa Cruz Megatower
Megatower
MSRP $4,800 – $12,500

With a combination of big 29” wheels and big-hitting suspension, 160mm front and rear suspension, Megatower is the ultimate trail slayer. The progressive shock offers unmatched bottom out resistance and endless traction. A flip-chip in the bottom bracket adjusts bottom bracket height and progressivity of rear suspension.

$22/mo
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Santa Cruz factory warranty

Santa Cruz's Warranty: What It Covers and Where It Stops

Santa Cruz warrants its frames and rigid forks against defects in materials or workmanship for life. Five terms decide what that is worth to you.

  • Lifetime on frames and rigid forks

    Santa Cruz will repair or replace, at its option, any frame or rigid fork it determines to be defective in materials or workmanship. The warranty is in effect for the lifetime of the frame or fork and is available only to the original owner.

  • Three years on paint, finishes, and decals

    For paint, other finishes, and decals, the warranty period is three years from the original date of purchase. Fading and other conditions caused by excessive ultraviolet light or outdoor exposure are not covered.

  • Free pivot bearings for as long as you own the bike

    Santa Cruz offers free replacement pivot bearings to the original owner for as long as they own their bike. The request takes the Warranty Form and a copy of the purchase receipt.

  • Lifetime on carbon handlebars and Reserve rims

    Santa Cruz carbon handlebars and bottle cages are warranted against defects for life from the original date of purchase. Any Reserve rim damaged or destroyed by riding is repaired or replaced for the lifetime of the rim, for the original owner only.

  • Crash damage: limited to replacement at a reduced charge

    The warranty does not cover labor costs. For damage arising from accidents, crashes, and other impacts, it is limited to replacement parts offered to the original owner at a reduced charge. Those are the losses a Velosurance policy is built for.

Summary of the Santa Cruz Bicycles Legendary Warranty, reviewed September 17, 2026. Applies to the original owner. Frames purchased prior to May 1, 2015 are covered under the previously existing warranty for five years from the original date of purchase. The manufacturer decides every warranty claim, and its full published terms govern.

More Brands We Insure

Any brand of conventional or Class 1, 2, or 3 electric bike: theft, crash damage, and transit at stated value.

Why Velosurance

Why Velosurance is best for your Santa Cruz

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
$9/mo
Starting premium
4.9★
259 Google reviews
15
years in business
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