If you ride a bicycle long enough, the inevitable will happen: you’re going to crash. One moment, you’re happily pedaling along, and the next thing you know, you’re looking up...
Velosurance is a national insurance agency founded by two cyclists in response to the insurance needs of bicycle riders nationwide. We partnered with an A.M.Best “A” rated, US insurance company to provide a multi-risk policy offering protection to all types of cyclists.
Insure your Santa Cruz bike with Velosurance
Get the best insurance for Highball, Blur, Tallboy, 5010, Hightower, Bronson, Jackal, Chameleon, Megatower and other Santa Cruz models
+
About Santa Cruz
Founded in 1994 a single car garage in the Seabright Cannery, in Santa Cruz, California by a skateboarding legend Rob Roskopp. Santa Cruz’ first bike was a single-pivot dual suspension bike, the Tazmon. Since then, this company has expanded its offerings to every mountain bike category and even added a gravel bike.
Most popular Santa Cruz models
Santa Cruz Highball is a lightweight, quick and responsive hardtail cross-country racer, popular with racers, endurance athletes and those who like to play on a twisty singletrack. Blur is a full-suspension offering for cross-country racers and climbing and endurance-focused riders. Tallboy stps up in suspension travel, making it a great all-day-long machine that blurs the lines between a cross-country and tail bike. 5010 is designed for riders who like to get rowdy and poppy on the trails, as it rolls on smaller 27.5 wheels and has 130mm of travel front and rear. Hightower it a big do-it-all trail bike that can hold its own in a downhill park with its 150mm fork and 145mm of rear travel. Bronson can plow through technical terrain at breakneck speeds with it’s 160mm front and 150mm rear suspension. Jackal is an aluminum dirt jumper that feels at home on pump track, slopestyle courses and skate parts. Chameleon is a hardtail with relaxed geometry, designed for those who like simplicity but still want to ride challenging terrain. Megatower is a big travel 29” enduro perfect for shredding gnarly terrain at high speeds. Nomad is 27.5 big hit machine with 170mm of front and rear suspension that feels at home at a bike park and steep mountains alike. V10 completes the non-electric lineup with a burly World Cup winning bike with 203mm of front and 215mm of rear suspension. The electric bike lineup includes a 27.5" wheeled Heckler with 160mm of suspension and a mixed wheel Bullit with 170mm of travel. Finally, Stigmata is a carbon gravel bike for those keen on exploring gravel roads.
Highball
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.
Coverage from: $12.00/mo
Get a free quote
Blur
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.
Coverage from: $15.00/mo
Get a free quote
Tallboy
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.
Coverage from: $12.00/mo
Get a free quote
5010
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.
Coverage from: $13.00/mo
Get a free quote
Hightower
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.
Coverage from: $12.00/mo
Get a free quote
Bronson
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.
Coverage from: $16.00/mo
Get a free quote
Jackal
An urban assault bike built around 26” wheels, it’s over-engineered to take on as much abuse as you can dish out. With it’s short 15.2” chainstays it likes to keep the front wheel up in the air, be that on a jump line, a pump track or when jumping curbs.
Coverage from: $8.00/mo
Get a free quote
Chameleon
A super agile hard tail, this bike is for those who like to experiment. It can be configured as a 29er or mixed wheel, geared or fixed. It can be configured as a dirt jumper, trail slayer, or even a bike touring rig.
Coverage from: $8.00/mo
Get a free quote
Megatower
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.
Coverage from: $22.00/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.
Medical payments
If you’re hurt and require medical attention, our policy's optional purchase medical payments will take care of your medical bills, up to the selected limit. The policy medical payments are paid directly to you to supplement the deductible of your personal health insurance policy.
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 the damage 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.
Damage or loss in transit
Bikes often get damaged in transit by personal vehicles, airlines, or courier services. Filing a claim with the airlines and courier services is a notoriously difficult process with a questionable outcome. We cover the insured bicycle for loss or damage while it's on its way to or from your destination by air or road. Even if it falls off a vehicle rack or is hit in a rear-end accident, it is covered, no arguments.
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 bike shops that are familiar with our process and can help you speed through your claim. If you prefer to work with your favorite shop, that works too.
Gear and apparel
If you go down in a crash, we cover the bike 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 year. 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 bike 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 you, without depreciation, for the cost of a replacement bike that is of like, kind, and quality similar to your totaled bike.
24/7/365 coverage
We cover the insured bike(s) 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 a bike can be stored away from home. 24/7/365 means every minute of every day, no matter where or when.
Standalone bike insurance
Our standalone policy does not piggyback on coverage provided by the policies you may already have, such as home insurance. A claim will not reflect on your insurance score and will not affect your rates with other insurance carriers. With home insurance rates in the USA going up every year, it’s prudent to reserve it for when you really need it because no matter how expensive your bike is, it’s a lot cheaper than a kitchen fire or a basement flood.
Uninsured motorist coverage
One of the scariest things that can happen to a cyclist is getting hit by a car. This coverage will pay for medical expenses, physical therapy, mental health services, lost wages, and other expenses that arise from a bicycle-car accident.
Permissive use
You can lend the bike 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 Bike 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
"Velosurance was speedy, responsive and very clear on claims procedures. I am writing this review with a sense of gratitude as service was beyond my expectations and the speedy reimbursement resulting from the claim helped me get back on the saddle. "
Leonardo C
Denver, CO
"I had my e-bike stolen 2 months after purchasing it. The claim process was straightforward and their customer service was phenomenal. I also love how easy it is to manage an account with all the information on their online portal. Highly recommended for bike owners! "
Rema N
San Francisco, CA
"These guys are the absolute best. Took care of the claim in no time. Covered everything. The whole process was as smooth as you could expect and hope for. Don’t think twice, this is my insurance company for my bike for life.
"Phil H
Miami, FL
Check out Velosurance reviews to see what people are saying about us.
Contact Us
'Convinced yet? Let's make something great together.
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.
Free instant quote
Velosurance story
Velosurance is a national insurance program founded by two avid cyclists, Dave Williams and Denis Voitenko in response to the insurance needs of bicycle riders nationwide.
It all started over tacos
One very rainy day at a local taco joint in Fort Lauderdale we started discussing how badly home and renters policies insured bicycles. We knew there had to be a better way so we set about finding out how we could take a traditional piece of insurance and make it better, much better. On that wet day over tacos, Velosurance was founded.
We partnered with Markel American Insurance Company, an A.M. Best, A rated, US insurance company, and a leader in recreational insurance, to offer a multi-risk bicycle insurance policy providing protection to all types of cyclists, and with none of the silly restrictions that other insurance wants to place on riders.
Nationwide coverage
Velosurance provides our policyholders with nationwide service when a damaged bike needs repair or replacement. Our policyholders are free to choose their preferred service location.
Our mission
The Velosurance mission is to be fair to everyone involved, and to offer our best advice to clients so they can make an educated decision about their bicycle insurance coverage. We also like to ride as much as possible.
We are riders too
Bicycle prices increase every year and cyclists who are serious about their sport are spending big money on high value bikes. Other forms of insurance, like homeowners and renters insurance, do a poor job insuring high value bicycles so we founded Velosurance to fix that.
Velosurance provides a stand-alone, no bike value depreciation, bicycle insurance policy to replace the cobbled together, sub standard coverages offered by traditional insurance.
We are cyclists just like you, and we understand that when your bike gets damaged in an accident you want the shortest possible downtime. We make it our mission to see that your claim check arrives before the repair parts do and you get back pedaling as soon as you want to.
Most popular articles
We are riders and insurance experts who give advice and share insights to educate fellow riders and keep them safe while on road or trail. We want you to become a better rider by helping you understand and manage risk associated with your lifestyle.
Read More
Mastering the last mile: boost your commute with a bike
The fastest way to reclaim your commute, save money, and sneak in daily exercise? Add a bike to the mix. Multimodal commuting—pairing a bike with public transit—can replace a frustrating...
Read More
Winter training tips to crush your race goals
Building fitness as a cyclist over the winter months requires a structured plan incorporating indoor and outdoor training, strength work, and recovery. A well-designed plan will optimize for gradually increasing...
Read More
How to build explosive cycling power
The difference between a good cyclist and a great cyclist is explosive power. No matter what cycling discipline you participate in, explosive power is a secret weapon for advancing in...
Read More
Why an e-bike is a better electric vehicle
While it isnt a direct replacement for a car, more people should consider purchasing an e-bike rather than another EV.
Read More
12 commuting mistakes
Whatever your reason for switching from a car commute to a bicycle commute, there are a few things that new bicycle commuters often get wrong.
Velosurance discounts
Members of USA Cycling, USA Triathlon, and International Mountain Bicycle Association (IMBA) receive discounts on Velosurance bicycle insurance products.
Velosurance provides bicycle insurance policies in the following states: Alabama, Arkansas, Arizona, California, Colorado, Connecticut, D.C., Delaware, Florida, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Massachusetts, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, North Carolina, New Hampshire, New Jersey, New Mexico, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin.