Best insurance for your mountain bike
Whether the accident is a simple mishap or a someone's negligence, and if it happens on a ride, at home, or in transit, it's covered.
Crash Damage
Your bike is covered if it’s damaged in a crash. On a road or trail, a group ride or a race, if it’s damaged in an accident, it’s covered.
Theft Coverage
If your bike is stolen from your home, car, workplace or any other secure location, it’s covered.
Medical Coverage
If you’re hurt, we'll cover some of your medical bills, up to the policy limit. This coverage pays to supplement the deductible of your personal health insurance policy.
Velosurance for mountain bikers
Out of all cyclists, mountain bikers are the type that most often identify cyclicing as an integral part of their lifestyle. It’s also not surprising that they spend a significant amount of time and money pursuing their hobby and are more likely to own more than one bike. With many riding styles, from cross-country to downhill, bunched under a single umbrella of mountain biking, it’s easy to see how this hobby can captivate the attention of many.
Those “not in the know” think of mountain biking as an extreme sport. While definitions are subjective, the statistics do not lie: the injury rate in mountain biking is higher than any other type of cycling. Crashing is simply an integral part of mountain biking, it's something that happens when riders push their personal limits while trying to progress. Unfortunately, personal injury is not the only risk that mountain bikers subject themselves and their bikes to.
As the most accident prone of cyclists, mountain bikers could benefit from additional coverage to protect themselves from unexpected financial losses. Our optional medical gap insurance can cover the gap created by out-of-pocket deductibles and copays, and those who chase the thrill of mountain biking internationally, can extend coverage to anywhere in the world with the International bike coverage option.
Crash damage coverage
On a road or trail, a group ride or a race, if it’s damaged in an accident, it’s covered.
Is it undoubtedly true that experienced mountain bikers crash less, but even those with years of experience are not immune. By its very nature, mountain biking is a physically demanding and challenging sport, and there is always a risk of crashing when riding on rough terrain or attempting tricks or stunts. Luckily, most of the crashes are not serious, often resulting in nothing but a bruised ego and a few scratches on the bike. But once in a while there’s an unlucky crash that can make you question your choice of a hobby, and that’s when people start thinking about insurance.
While mountain bikes are designed to be robust and capable of handling the demands of off-road riding, they fare much worse in side impact situations, especially when the frame or protruding parts such as the derailleur, meet a rock. Carbon fiber has an exceptionally high specific strength, but being stronger than steel and aluminum, is not as impact-resistant.
Our base policy provides coverage for crash and accidental damage. It also provides up to $500 coverage for the riding apparel, gloves, shoes, sunglasses, and the helmet. If you have a spare wheelset or other spare parts, they are also covered up to $500 per loss, $1,000 limit for the policy term.
Mountain bike theft coverage
If your bike is stolen from your home, car, workplace or any other secure location, it’s covered.
The new enthusiasm around bikes paired with logistical challenges, threw off the balance in the bicycle market, spiking the demand amidst limited supply. This perfect storm has increased bike theft by approximately 24% since 2019. To make matters worse, bike theft is the most underreported and least often solved crime.
A wide availability of battery operated cutting tools makes bike theft incredibly easy: most U-locks, chains and cable locks provide less than a minute of security against an electric angle grinder. Thieves are now casing public garages, shopping mall parking lots and even residential neighborhoods.
The basic bicycle insurance policy from Velosurance provides coverage for theft from and away from home. When left unattended away from home, the bike must be secured to an immovable object, such as a cemented bike rack.
Velosurance covers all types of mountain bikes
This sport, which reaches far and wide, has attracted a diverse and passionate community of riders. Whether you speed down a singletrack, explore the backcountry, or get gnarly at a bike park, you’re a mountain biker. So no matter how big your tires are or how much travel is in your fork, it’s covered.
Medical coverage
This optional coverage will pay the leftover bills once your primary health insurance has paid its share.
A higher risk of injury when mountain biking is not a surprise for anyone, it’s a reality riders accept when they decide to try this sport. While most injuries aren’t serious, the more one rides, the higher the likelihood of eventually suffering an injury that will require serious medical attention.
Riding a mountain bike without adequate health coverage is generally not a good idea. A broken collar bone or a torn ligament is enough to land one in an emergency room and require surgery followed by a lengthy recovery period. The final bill might be large enough to cause financial strain, or even bankruptcy.
Medical payments is an optional coverage on a policy from Velosurance designed to cover the remaining medical bills, once your primary health insurance takes care of their share. This usually includes the out-of-pocket deductible and emergency room and facility copays.
We cover electric mountain bikes too!
Our normal coverages also extend to e-bikes, including electric mountain bikes.
Not so long ago electric mountain bikes were very polarizing with the riders, trail advocacy groups and the regulators, all trying to find a compromise with those who discovered how fun eMTBs actually are. Electric mountain bikes are exciting because they offer the same thrilling experience of traditional mountain biking with the added benefit of electric assistance.
In addition, e-mountain bikes can provide a sense of adventure and exploration, as the electric assistance can allow riders to venture further and tackle more challenging trails. They can also be a great option for riders who want to keep up with faster friends or who are looking to push their limits and try new things on the trails.
Today, Class 1 e-bikes, which are pedal-assist only, have no throttle, and have a maximum assisted speed of 20 mph, are either permitted or under consideration on most trail systems, parks and BLM land. An insurance policy from Velosurance covers Class 1, 2, and 3 electric mountain bikes just like it would a regular bike, for theft and accidental damage with optional coverages including liability, medical payments, and vehicle contact protection.
We cover damage in transit
Whether it's on a car rack, in possession of an airline or a postal courier, it's covered.
A part of the mountain biking lifestyle is traveling and exploring new trails, be that in the next town or next continent over. Mountain bikes spend a significant amount of time on car racks, in care of airlines and postal couriers.
Unfortunately, both accidents and honest mistakes happen, like driving your car into a garage with the bike still on the roof rack. Or failing to properly secure the bike to the rack and it coming loose on the highway. In other situations you might have no control at all, like an airline damaging the bike, or the bike not showing up at your destination at all.
Replacing a bicycle in the “new normal” is neither easy nor cheap. With a policy from Velosurance, you can travel with a peace of mind, knowing that damage and loss in transit are covered
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 mountain bike
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.
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America's best mountain bike insurance
No matter where your adventures take you, protect your mountain bike and yourself from the unexpected with America's best bicycle insurance.