About Surly
Surly builds steel bikes for people who ride them hard. The brand started in 1998 in Bloomington, Minnesota, as a division of Quality Bicycle Products. Its founders were unimpressed with the late-1990s rush toward ultralight aluminum, so they went the other way: durable, forgiving, repairable steel. Surly built a cult following on bikes that go the distance. The Long Haul Trucker became a touring icon, and in the 2010s Surly helped pioneer the modern fat bike, running its own machinery to make the wide rims and tires the category needed. Every Surly is steel, most accept racks and fenders, and the brand leans hard into versatility over specialization. Surly's current lineup spans touring, gravel, mountain, fat, and cargo. The Disc Trucker handles loaded touring, the Midnight Special and Straggler cover all-road and gravel, and the Karate Monkey, Krampus, and Lowside are the hardtails. The Sorceress is Surly's steel full-suspension trail bike, the Wednesday, Ice Cream Truck, and Moonlander are the fat bikes, and the Big Dummy, Big Easy, and Skid Loader carry the loads.
Most popular Surly models
Surly's drop-bar range goes from pavement to dirt. The Disc Trucker is the loaded-touring workhorse, the Midnight Special is the road-plus all-rounder, the Straggler is the disc-brake gravel bike, and the Bridge Club is the accessible adventure bike. The Preamble is the entry point, a steel all-road bike in flat-bar and drop-bar versions, and the Ogre is the flat-bar 29er adventure tourer. On the trail, the Karate Monkey and Krampus are Surly's 29er hardtails, the Lowside is the 27.5-inch trail hardtail, and the Sorceress is the steel full-suspension trail bike. The Grappler is the drop-bar bikepacking machine, and the Wednesday, Ice Cream Truck, and Moonlander are the fat bikes built for snow and sand. The Big Dummy is Surly's longtail cargo bike, the Big Easy adds a Bosch motor, and the Skid Loader is the electric cargo hauler. A loaded Big Dummy, Big Easy, or Skid Loader carries a replacement value and a load of gear that a homeowner's policy rarely covers, which is where standalone cargo bike insurance fills the gap.
Surly's loaded-touring workhorse, a steel drop-bar tourer built for multi-day, fully-loaded travel. Offered in 26-inch and 700c wheel sizes with disc brakes.
Coverage from: $8.00/mo
Get a free quote
Surly's road-plus all-rounder, a steel drop-bar bike with clearance for wide tires that bridges fast pavement and rough roads.
Coverage from: $10.00/mo
Get a free quote
Surly's gravel and all-road bike, the disc-brake evolution of the Cross-Check, built for cyclocross, gravel, and everyday riding in 650b and 700c.
Coverage from: $8.00/mo
Get a free quote
Surly's accessible adventure bike, a versatile steel all-rounder for loaded touring, bikepacking, and around-town riding.
Coverage from: $8.00/mo
Get a free quote
Surly's entry-level steel all-road bike, offered in flat-bar and drop-bar versions. The affordable way into a Surly.
Coverage from: $8.00/mo
Get a free quote
Surly's 29er adventure tourer, a flat-bar steel bike with rack and fender mounts built for loaded off-road touring and bikepacking.
Coverage from: $8.00/mo
Get a free quote
Surly's iconic 29er steel hardtail, a do-everything trail and single-speed bike that helped define the modern 29er.
Coverage from: $8.00/mo
Get a free quote
Surly's 29-plus adventure hardtail, built around wide tires for trail riding, bikepacking, and loose terrain.
Coverage from: $8.00/mo
Get a free quote
Surly's 27.5-inch trail hardtail, a playful steel bike built for pump tracks, dirt jumps, and everyday singletrack.
Coverage from: $8.00/mo
Get a free quote
Surly's steel full-suspension trail bike, built around 29-inch wheels for technical descents and all-day trail riding.
Coverage from: $10.00/mo
Get a free quote
Surly's drop-bar trail bike, a steel bikepacking machine built around plus tires and off-road drop-bar geometry.
Coverage from: $8.00/mo
Get a free quote
Surly's versatile fat bike, built for snow, sand, and four-season trail riding with rack and fender mounts for bikepacking.
Coverage from: $8.00/mo
Get a free quote
Surly's premium fat bike, with the widest tire clearance in the range for the deepest snow and softest sand.
Coverage from: $10.00/mo
Get a free quote
Surly's ultra-fat bike, with the widest tires and rims in the lineup for the deepest snow and softest sand.
Coverage from: $18.00/mo
Get a free quote
Surly's longtail cargo bike, one of the bikes that defined the longtail category, built to haul kids, groceries, and gear.
Coverage from: $11.00/mo
Get a free quote
Why Velosurance is best for your Surly
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.
We 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 🔥
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.