All-risk bicycle insurance for mountain bikers

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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. Optional Medical Payments 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 Worldwide coverage option.

insurance for mountain bikers

Crash damage coverage

mountain biking with dogs

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.

Theft coverage

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.

mountain bike theft coverage

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.

XC & Trail bikes

Cross-country, trail, downcountry and Enduro, bikes designed to tackle anything from local singletrack to all-day epics with ease and efficiency.


No matter what mountain biking discipline you’re into, there’s an electric bike available that will take your ride to the next level.


The high-speed, high-adrenaline take on mountain biking. These rigs are equipped with endless suspension, super slack geometry and extra-burly components.

Medical gap coverage for mountain bikers

medical gap coverage for cyclists

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!

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.

electric mountain bike insurance

We cover damage in transit

damage in transit coverage

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 core policy offers must-have e-bike 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 the peace of mind when your bike is stolen or damaged in the process.

Any Crash or Accidental Damage

The cyclist insurance policy will pay to replace the bike when the bike is accidentally damaged beyond repair. If the damage can be repaired, the policy will pay all the costs associated with the repair. Cosmetic damage is excluded.

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.

Damage or Loss in Transit

Bikes often get damaged in transit, by airline and courier services alike. Filing a claim with these is a notoriously difficult process with a questionable outcome. Velosurance covers your bike while it is on it’s way to your destination.

Why Velosurance is best for your mountain bike

Not all types of bike insurance coverage are created equal. Velosurance levels the playing field by offering a stand-alone bicycle insurance policy, where claims will not affect your homeowner or renters policy premiums.

Policy Coverage Home Owner/RentersPolicy Velosurance
Insured at Full Value Possibly Yes
Crash Damage No Yes
Theft Coverage Limited Yes
Theft Away From Home Possibly Yes
Vehicle Contact No Yes
Personal Liability Possibly Yes
Replacement Bike Rental No Yes
Event Fee Return No Yes
Cycling Apparel Insured No Yes
Medical Payments Possibly Yes
Racing Coverage No Yes
Electric Assist Bicycles No Yes
Bicycle Airline Shipping Coverage No Yes

“I have been using Velosurance for a few years now and have received nothing but top-notch service. Thankfully I have only had to file claims a couple of times and each time I have received very fast reimbursements for both medical and bike repair costs. I would recommend them to any bike racer.”

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We never share your email
You can add more bikes later

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 e-bikes. Other forms of insurance, like homeowners and renters insurance, do a poor job insuring high value electric bicycles so we founded Velosurance to fix that.

Whether on a crowded city bicycle commute or a country road backpacking trip, cyclists take on a variety of risks whenever they hop onto the saddle. That’s why Velosurance offers a multi-risk, stated value bicycle insurance policy to e-bike owners.

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.

Cyclist on a road bike

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.

Cyclist on a bike

Most popular articles

We are riders and insurance experts who give advice and share insights to educate fellow riders and keep them safe while on road or trail. We want you to become a better rider by helping you understand and manage risk associated with your lifestyle.

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, 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, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin.

Cyclist on a bike

Disclosure: The information available in this website is intended to give the user a general over view of the cyclist insurance policy and nothing in this website will amend, change or modify the wording of the issued policy. Please review the complete policy wording here.