About Yamaha
Yamaha Motor Company was founded in 1955 in Hamamatsu, Japan, as a spinoff from Nippon Gakki, the company now known as Yamaha Corporation for its musical instruments and electronics. The two Yamaha entities share a name and logo but operate as separate businesses. Yamaha Motor built its global identity in motorcycles, marine engines, and power sports before entering the bicycle market. Yamaha's entry into electric bikes predates the category's mainstream existence. The company demonstrated an e-bike prototype in 1989 and launched the Power Assist System (PAS) commercially in Japan in 1993, making it one of the first manufacturers anywhere to bring a pedal-assist system to market. The PAS architecture, using a torque sensor to calibrate motor output to the rider's effort, became a foundational model for how pedal-assist systems work globally. Yamaha has supplied drive units to other bicycle manufacturers in addition to building its own complete bikes. The PWseries mid-drive motors power the Yamaha-branded lineup as well as models from OEM partners. After selling over two million e-bikes predominantly in Japan, Yamaha entered the North American market in 2019 with commuter, gravel, and mountain models built around that decades-deep motor technology.
Most popular Yamaha models
The CrossCore is Yamaha's core urban commuter, built around a PWseries mid-drive motor with an integrated battery and a frame designed for everyday city use. The CrossCore RC adds a removable battery for easier apartment charging. The CrossConnect is the step-through option for riders who prioritize ease of mounting and dismounting. The Civante rounds out the urban lineup as an upright step-through city e-bike with integrated lights and fenders for daily transport. Gravel riding is handled by the Wabash and Wabash RT, both running drop bars and wide tire clearance for mixed-surface terrain. Both models use a Yamaha mid-drive motor tuned for the variable effort demands of long gravel and adventure rides. The Urban Rush is a flat-bar alternative for riders who want the speed of a fitness e-bike in an upright position. The YDX lineup covers e-mountain biking across three models. The YDX-Torc is an aluminum hardtail powered by Yamaha's PW-SE mid-drive system, built for trail climbing and all-terrain riding. The YDX-Moro is the full-suspension model, with front and rear travel suited to technical singletrack. The YDX-Moro Pro adds upgraded suspension and higher specification for demanding terrain. Riders who invest in these bikes protect their build with dedicated mountain bike insurance from Velosurance, covering full replacement value against theft, crash damage, and transit loss.
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
Get a free quote
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
Get a free quote
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
Get a free quote
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
Get a free quote
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
Get a free quote
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
Get a free quote
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
Get a free quote
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
Get a free quote
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
Get a free quote
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 quoteWhy Velosurance is best for your Yamaha
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.