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

About Urban Arrow

Urban Arrow set out to replace the car for city families. The Dutch company started in 2010, designed by two fathers who wanted a modern take on the traditional Dutch bakfiets, the front-load bucket bike. The result was the Family, a long-wheelbase electric cargo bike with a lightweight EPP foam box that could carry more kids and gear than almost anything else on two wheels.

Every Urban Arrow is electric. The bikes run Bosch drive systems, and the 2025 model year moved the range onto Bosch’s Smart System, which adds an alarm and motor lock for theft protection. Pon Bike, one of the largest bicycle groups in the world, acquired Urban Arrow in 2019, putting it alongside Gazelle and Santa Cruz.

Urban Arrow builds cargo bikes and only cargo bikes. The Family and FamilyNext are the front-load family haulers, the Shorty is the compact version for tighter storage, and the Cargo and Tender are the commercial platforms used by companies like DHL and Coolblue. The brand is based in Amsterdam.

Urban Arrow bike lineup 5 models shown

Most popular Urban Arrow models

Urban Arrow’s family bikes share one idea: a low, lightweight EPP foam box ahead of the rider that carries kids and cargo close to the ground. The Family is the long-running flagship, the FamilyNext is the newer generation built around Bosch’s Smart System, and the Shorty packs the same platform into a shorter frame for riders with less storage space or tighter streets.

The Cargo and Tender are Urban Arrow’s commercial platforms. The Cargo is the market leader in electric transport bikes, used by delivery fleets, and the Tender is a three-wheel design built for the heaviest commercial loads. An Urban Arrow carries a replacement value and a load of precious cargo that a homeowner’s policy rarely covers fully, which is where standalone cargo bike insurance fills the gap.

Urban Arrow factory warranty

Urban Arrow's Warranty: What It Covers and Where It Stops

Urban Arrow repairs or reimburses parts it finds to have a construction or material defect. Five terms decide what that is worth to you.

  • Five years on the frame and fork

    The frame and fork carry a 5-year warranty, excluding wear parts. Paintwork and visible rust from the inside are guaranteed for 2 years.

  • Battery: two years, capacity loss not covered

    The battery carries a 2-year warranty. Its capacity will decrease depending on the number of charging cycles and the life of the battery, and that reduction in capacity is not covered.

  • Two years on other parts and accessories

    All other parts and all accessories carry a 2-year warranty. Wear parts such as tires, chain, pedals, bearings, and seatbelts are not covered.

  • See your dealer within two months of a defect

    Urban Arrow tells owners to visit their dealer within 2 months of noticing a defect, and the warranty can only be claimed with the original purchase invoice. The dealer may charge for assembly, disassembly, or transport costs.

  • Defects only: accident and transport damage are excluded

    The warranty covers construction and material defects. It becomes invalid or inapplicable if the bike or its parts have been abused or involved in an accident, or have been damaged during transport. Those are the losses a Velosurance policy is built for.

Summary of the Urban Arrow Consumer Service Center: warranty conditions, reviewed September 17, 2026. Applies to the first owner only, with every term counted from the date of purchase. Urban Arrow publishes these conditions in its consumer service center under the Family model, and it has no separate United States version. 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 Urban Arrow

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
Ready to ride covered

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