About Specialized
Specialized was founded in 1974 by Mike Sinyard in San Jose, California. Sinyard started by importing Italian components, primarily Cinelli handlebars and stems, and selling them from a van. He used the proceeds to launch Specialized Bicycle Components and commissioned the Stumpjumper in 1981, the first production mountain bike sold in the United States and still in the lineup today. The company built an internal aerodynamic testing facility, the Win Tunnel in Morgan Hill, California, used to develop bikes, helmets, and apparel under controlled conditions. The Body Geometry program, developed with ergonomists and physicians, defined Specialized's approach to saddle and footbed design and influenced fitting practices across the industry. The FACT carbon process is the company's proprietary framework for carbon frame manufacturing and quality control. Racing results have anchored the brand's credibility for five decades. Peter Sagan won three consecutive UCI Road World Championships on Specialized bikes in 2015, 2016, and 2017. Tom Boonen won multiple Paris-Roubaix editions riding Specialized. The Turbo e-bike platform, launched in 2012, brought proprietary motors and app connectivity to the market years ahead of most competitors. Specialized remains privately held.
Most popular Specialized models
The Tarmac SL8 is Specialized's flagship road racing platform, offered in carbon configurations spec'd with Shimano Dura-Ace Di2 or SRAM Red eTap AXS at the top end. The Roubaix adds a FutureShock front suspension system for endurance riding and rough pavement. The Aethos is the ultralight climbing option, and the Allez is the aluminum entry road model in continuous production since 1981. Top-spec Tarmac and Roubaix builds retail from $5,000 to over $15,000, and dedicated road bike insurance from Velosurance covers your Specialized at full replacement value against theft, crashes, and transit damage. Gravel is handled by the Diverge, a purpose-built adventure road platform running the FutureShock system with clearance for wider mixed-surface tires. The Crux is the carbon cyclocross and gravel race option. Mountain biking spans the full range: the Epic Evo for XC racing, the Stumpjumper for trail riding at 130-150mm, the Enduro for long-travel aggressive terrain, and the Demo for dedicated downhill. The Fuse is the hardtail XC platform. The Turbo e-bike line covers every discipline. The Turbo Vado is the upright commuter e-bike, the Turbo Como is the step-through city option, and the Turbo Creo 2 is a road e-bike with a lighter motor for distance riding. The Turbo Levo is the full-suspension e-MTB, and the Turbo Kenevo is the long-travel gravity e-MTB for aggressive trail and bike park use.
One of the versatile bikes on the market, Turbo Vado is designed to help you carry groceries, get a workout in, get you to work and back home, all while looking spiffy. With 90 mi/120 km of range, this all-day, do-everything machine is an urban dweller’s best friend.
Coverage from: $14.00/mo
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One of the versatile bikes on the market, Turbo Vado is designed to help you carry groceries, get a workout in, get you to work and back home, all while looking spiffy. With 90 mi/120 km of range, this all-day, do-everything machine is an urban dweller’s best friend.
Coverage from: $9.00/mo
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A budget friendly interaction on the award-winning Turbo Levo. The alloy version is built around a 565 watt motor fed by a 500Wh battery, capable of amplifying your power by 4x.. Just like it’s carbon namesake, it’s built around a mixed wheel size: 27.5” wheel in the back and 29” up front.
Coverage from: $8.00/mo
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First introduced in 2004, Tarmac is a pure road racing bike. It’s light, stiff, and makes an excellent climber. The latest versions of Tarmac has integrated numerous design and technology features from the outgoing Venge, making it very aerodynamic yet comfortable for all-day riding.
Coverage from: $11.00/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 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.