Insure your Santa Cruz bike with Velosurance

Highball, Blur, Tallboy, 5010, Hightower, Bronson, Jackal, Chameleon, Megatower

About Santa Cruz Bikes

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.

We cover all types of bikes

Whether you ride the tarmac or shred the gnar, dodge pedestrians or cruise the beach, a bicycle is an important part of your life. We founded Velosurance to challenge the status quo and give our fellow riders something they needed so badly: insurance that actually covered their lifestyle, a peace of mind that no matter what happens on the road or trail, there’d be a helping hand to get them back in the saddle.

Road bikes

Light and aerodynamic, equipped with skinny tires and optimized for long days in the saddle.


Electrically-assisted Class 1, 2, and 3 bikes with maximum assisted speed of up to 28 mph.

Commuter bikes

Simple, reliable bikes designed specifically for urban environments.

Mountain bikes

Rugged, resilient and incredibly fun. Equipped with suspension and designed to offroad, tackle technical terrain and jumps.

Cargo bikes

The SUVs of the bike world, these bicycles are designed to carry heavy loads, including groceries and passengers.

Triathlon bikes

Exceptionally aerodynamic and lightweight, these speed machines are designed with one goal in mind: go fast.


Three-wheeled bicycles that are known for additional stability and versatility.

Recumbent and Velomobiles

Two and three wheeled bikes with a leisurely leaning back seating position.

Coverages and Features

Velosurance core policy 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 coverage, and medical gap coverage.

Total Loss by Theft

Bikes are very easy to steal and equally difficult to recover and a hefty U-lock doesn’t guarantee that your bicycle will remain yours when you return. Velosurance provides the peace of mind when your bike is stolen or damaged in the process.

Any Crash or Accidental Damage

The cyclist insurance policy will pay to replace the bike when the bike is accidentally damaged beyond repair. If the damage can be repaired, the policy will pay all the costs associated with the repair. Cosmetic damage is excluded.

Electric Bicycle Coverage

We cover all electric bikes with nominal power of 750 Watts or less. All coverages available for conventional bikes also apply to e-bikes.

Worldwide Coverage

If your travels take you outside of the USA and Canada we can extend the policy's physical damage and theft coverage worldwide for a reasonable additional premium. This also covers the bike while in transit by the airline.

Medical Coverage

If you’re hurt, we'll cover some of your medical bills, up to the policy limit. This coverage pays to supplement the deductible of your personal health insurance policy.

Damage or Loss in Transit

Bikes often get damaged in transit, by airline and courier services alike. Filing a claim with these is a notoriously difficult process with a questionable outcome. Velosurance covers your bike while it is on it’s way to your destination.

Liability Protection

We will protect you from personal liability (injury, sickness, death, or damage to property) you cause while riding your bike. Coverage limits offered: $25,000, $50,000, $100,000 or $300,000 per occurrence.

Your bike - your choice

Nationwide Bike Shop Repair. It's your bike and where you get the bike repaired is your choice.

Why Velosurance is best for your bicycle

Not all types of insurance are created equal. Velosurance levels the playing field by offering a stand-alone bike insurance policy, where claims will not affect your homeowner or renters policy premiums.

Policy Coverage Home Owner/RentersPolicy Velosurance
Insured at Full Value Possibly Yes
Crash Damage No Yes
Theft Coverage Limited Yes
Theft Away From Home Possibly Yes
Vehicle Contact No Yes
Personal Liability Possibly Yes
Replacement Bike Rental No Yes
Event Fee Return No Yes
Cycling Apparel Insured No Yes
Medical Payments Possibly Yes
Racing Coverage No Yes
Electric Assist Bicycles No Yes
Bicycle Airline Shipping Coverage No Yes

“I'm honestly so impressed with this insurance. My entire fork broke (around $1k) and couldn't be warrantied. Velosurance got my claim resolved and a check sent out in time to go on a volunteer bike trip I had planned. They truly saved the day, and my wallet! I'm honestly shocked. I also had a rep named Dan who was so kind and we even had a great laugh on the phone. Highly recommend!”

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.

Cyclist on a bike

Velosurance National 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.

Cyclist on a bike

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.

Cyclist on a road bike

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.

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, 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, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin.

Cyclist on a bike

Disclosure: The information available in this website is intended to give the user a general over view of the cyclist insurance policy and nothing in this website will amend, change or modify the wording of the issued policy. Please review the complete policy wording here.