While it isnt a direct replacement for a car, more people should consider purchasing an e-bike rather than another EV.
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 Yamaha with Velosurance
Get the best insurance for Crosscore, Crosscore RC, CrossConnect, Wabash RT, Urban Rush, Wabash, Civante, YDX Torc, YDX Moro, YDX Moro Pro and other Yamaha models
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About Yamaha
A multinational conglomerate with a wide range of products and services, mostly known in the US for their motorcycles, marine products, and musical instruments. The company’s other products range from consumer electronics to autonomous agricultural drones.
Most popular Yamaha models
Having produced an e-bike prototype as early as 1989, it is only recently that Yamaha entered the e-bike market. Initially producing just the motor units, Yamaha released its first e-bike model Brace in Japan, and quickly sold 1 million units. In 2013 they released the PWseries drive units with 3 sensors and in 2016 with the introduction of the YPJ-C model, Yamaha reached 2 million bicycles sold, predominantly in Japan. In 2019 Yamaha entered the global market with a range of e-bikes that include urban, graven and mountain.
Crosscore
Punching well above its weight in the city e-bike category, it is Yamaha’s lowest-cost, entry-level bike. Equipped with a mix of Shimano Sora drivetrain and brakes with some in-house components, the 160-mm mechanical brakes could be better. The integrated multi-function computer is nearly perfect and a bright headlight will make late-nite commutes a pleasure.
Coverage from: $9.00/mo
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Crosscore RC
This commuter bike that’s capable of going off road and has enough range in it’s 500 Wh battery for a long day on the trails. Equipped with an additional angle sensor and an automatic assist mode, it seamlessly adjusts assist levels.
Coverage from: $9.00/mo
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Crossconnect
A sleek computer equipped with a smooth PW SE motor and sensors for cadence, torque and rear wheel speed has a very organic ride feel. The stopping power is provided by hydraulic disc and front and rear LED lights come stock.
Coverage from: $10.00/mo
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Wabash RT
The mix of utility and fun, this gravel bike has flared bars, can accept front and rear racks, making it a great option for bikepacking. A dropper post gets the seat out of the way on technical terrain.
Coverage from: $13.00/mo
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Urban Rush
An electric commuter and road bike with a 250W mid-mounted geared motor powered by a 500Wh battery, resulting in up to 80 miles of range. Equipped with Shimano Tiagra drivetrain including hydraulic brakes with 160mm rotors.
Coverage from: $13.00/mo
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Wabash
This well-equipped gravel e-bike features a 500W motor, 11 speed SRAM Apex drivetrain with hydraulic disc brakes, and knobby Maxxis Speed Terrane tubeless tires. The aluminum frame is highly compliant, making it a very comfortable ride.
Coverage from: $13.00/mo
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Civante
Designed for daily commuters, fitness riders, and weekend adventurers, this class 3 bike is equipped with a 500W motor and can put down 70 Nm of torque. The 500 Wh battery can be recharged to 80% in about an hour.
Coverage from: $9.00/mo
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YDX-Torc
A hardtail e-mtb built on an aluminum frame with XC-style geometry, Torc rolls on 27.5 x 2.25 tires, has a 120mm RockShox Recon RL fork and is equipped with PW-X motor rated at 250W nominal and 500W max power and 80Nm (59 lb-ft) of torque.
Coverage from: $13.00/mo
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YDX-Moro
This e-mtb that knows when you are riding uphill and adjusts power accordingly. The PW-X2 500 motor produces 80Nm of torque, and is powered by a 500Wh battery. The quad sensor system detects trail tilt, pedal cadence and torque and the rolling speed and provides the optimal amount of power to keep you rolling.
Coverage from: $19.00/mo
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YDX-Moro PRO
An up-spec full-suspension all-mountain e-bike rolling on 27.5” wheels with a geometry that’s between the modern cross-country and enduro. The PW-X2 motor has 500W of power and produces 80Nm of torque, powered by a 500Wh battery. The suspension is 160 mm in the front and 150 mm in the rear.
Coverage from: $18.00/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 provide coverage that addresses the specific risks associated with your discipline.
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 peace of mind when your bike is stolen or damaged in the process.
Medical coverage
If you’re hurt and require medical attention, our policy's optional purchase medical payments will cover your medical bills, up to the policy 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 the bike when 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, the policy will cover all the costs associated with the bike's repair, including tax, labor, and shipping. Cosmetic damage that does not affect the bike's 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. Our policy covers the insured bike for loss or damage while it's on its way to or from your destination by air or road. Even if the bike falls off a vehicle bike rack or is hit in a rear-end accident, it is covered, no arguments.
Electric bicycle coverage
We cover all electrically assisted Class 1, 2, and 3 bikes with a maximum assisted speed of 28 mph. All coverages available for conventional bikes also apply to e-bikes.
Liability protection
Our policy optional coverage purchase will protect and defend you from your personal liability (injury, sickness, death, or damage to property, including fire damage) that you are found legally liable for. Coverage limits offered: $25,000, $50,000, $100,000, or $300,000 per occurrence.
Worldwide coverage
If your travels take you outside of the USA and Canada, our policy can be extended, at a small additional premium, to cover physical damage, such as a crash, and will also cover theft as well as loss or damage by an airline.
Our shop or yours
When filing a claim you’ll need to provide a repair estimate from a bike 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 bike shop, that works too.
Gear and apparel
If your insured bike is damaged in a crash, our policy covers the bike as well as your apparel, such as helmets, shoes, glasses, or riding kits, that were also damaged in the crash, and will pay up to $500 per accident and $1,000 per policy term. Spare parts that are not installed on the bike, such as a spare wheelset, are also covered for loss or theft up to $500 per loss and $1,000 per policy term.
Your choice of lock
We do not dictate what type or brand of a lock must be used to protect the bike from theft. You are welcome to use any lock that you trust. The best security is provided when securing an unattended bike with metal locks combined with a high-quality chain. Securing your bike to a solid and immovable object, such as a bike rack, with a high-quality lock will send a bike thief onto the bike secured with a more vulnerable lock.
No depreciation
Our policy never depreciates your bike's insured value. Depreciation is a hidden deductible that increases every year, and is applied if the bike is stolen or totalled. No one is ever happy with a depreciation (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 it takes to replace the bike. The policy will 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
Our policy covers 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 time of day, or limitations on how long a bike could be stored away from home. 24/7/365 means every minute of every day, no matter where or when.
Standalone bicycle insurance
A standalone policy does not piggyback on coverage provided by the policies you may already have, such as home insurance. A claim against our policy will not reflect on your insurance score and will not affect your rates with other insurance carriers. With home insurance rates going up every year, it’s prudent to reserve your claim 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 cover medical expenses, physical therapy, mental health services, lost wages, and other expenses that arise from a bicycle-car accident.
Permissive Use Policy
You can lend the bike to anyone you choose and it will be covered. The bike and the person riding the bike 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 a stand-alone bike insurance policy, where claims will not affect your homeowner or renters 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 cover bikes equally and it often takes a claim to find out that your bike isn't covered. We did the hard work and read all the fine print. To see the difference, see bicycle 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 else 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 with a sole purpose of giving our fellow riders insurance that actually covered their lifestyle, 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.
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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.
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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.