Best insurance for your recumbent bike
Insurance coverage for your recumbent bike provides financial protection in case of unexpected incidents such as accidents, theft, or damages. Regardless of whether the event is caused by a minor error or someone else's negligence, and whether it happens while riding, at home, or during transportation, having insurance can provide the much needed peace of mind.
Crash Damage
Your recumbent bicycle 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 recumbent 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.
Why you need Velosurance for your recumbent bike
Recumbent bikes are designed for riders who appreciate comfort, utmost aerodynamics, stability and safety in their ride. Folks with certain medical conditions or injuries may find that recumbent bikes are more comfortable to ride than a regular bike, making them an ideal choice for rehabilitation. With recumbent bikes predominantly used in urban environments, ridden on public roads and shared paths, incidents such as accidents, theft, and damage are not uncommon. Given the niche nature and rarity of recumbent bikes, repairing or replacing one can be costly. Bicycle insurance offers coverage for both recumbent bikes, providing the much needed peace of mind that if your ride is stolen or damaged, you are financially protected and can get back in the saddle as quickly as possible.
Recumbent bike crash damage coverage
On a road or trail, a group ride or a race, if it’s damaged in an accident, it’s covered.
Although riding a recumbent bike is not overly challenging, it does require some adjustment. Compared to regular bicycles, recumbent bikes place the rider in a lean-back position, have wider turning radii but much lower center of gravity. Getting going and coming to a complete stop takes some adjustment, especially if you use clipless pedals. Although minor accidents can be viewed as learning experiences, more severe incidents can result in significant damage. In such cases, having insurance can be highly beneficial. Bicycle insurance offers peace of mind and can cover the cost of repairs or replacement for a damaged recumbent bike. Our basic policy includes coverage for up to $500 for riding apparel, gloves, shoes, sunglasses, and helmets, as well as spare parts up to $500 per loss, with a policy term limit of $1,000.
Recumbent bike theft coverage
If your recumbent bike is stolen from your home, car, workplace or any other secure location, it’s covered.
Recumbent bikes, like any other valuable possession, are vulnerable to theft. While not particularly appealing to most thieves looking for bikes, they are attractive to lesser educated criminals that instantly recognize them as high-value property. Most recumbent bikes are stolen from home garages, or public parking areas and the vast majority are unsecured at the time of theft. To avoid becoming a victim of theft, it is essential to lock your ride with a sturdy lock and store it in a secure location. However, even with the best precautions, recumbent bikes can still be stolen. In such cases, having insurance can offer financial protection and reduce downtime by covering the replacement cost.
Medical coverage
This optional coverage will pay the leftover bills once your primary health insurance has paid its share.
Most recumbent bikes are ridden in the city and suburban areas on dedicated and shared bike paths, public streets and less-congested country roads. Both recumbent bikes have a significant weakness: they are significantly less agile than upright bikes and require significant riding experience to safely traverse urban and suburban landscapes. Unfortunately, even the most skilled of riders are bound to experience an accident, sooner or later. Having sufficient health coverage is strongly recommended, as even a minor injury like a broken collarbone or torn ligament can result in significant medical bills. To reduce the financial burden of riding injuries, our policy provides optional medical gap coverage for cyclists that pays for medical expenses beyond primary health insurance, such as copays and deductibles.
Uninsured motorist coverage
As a cyclist, getting hit by a car is one of the most terrifying experiences one can imagine. Unfortunately, for recumbent bicycle riders this problem is all too real due to the very low height of these bikes. Recumbents are very difficult for car drivers to notice in perfect weather conditions and the risk of being hit goes up significantly if you ride alone during low visibility hours. While there’s no magic undo button for a bike-car accident, having Uninsured Motorist Coverage can provide a sense of comfort. This additional option not only serves as a gap coverage for primary health insurance, but also covers other expenses arising from the accident, including physical therapy and lost wages, up to the limit specified in the policy.
America's best recumbent bike insurance
Our policy offers a wide range of optional coverages to eliminate or minimize risks of cycling lifestyle.
Any 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.
Liability Coverage
We will protect you from personal liability (injury, sickness, death, or damage to property) you cause while riding your bike.
E-recumebent Bike 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.
Electric recumbent bicycle coverage
Electrictrification adds the needed range and power to both recruitment bikes, making them much more capable adventure machines
The trickle down effect from the boom of electric bikes made the technology available to recumbent bike riders. Every major manufacturer now offers electrified versions of their bikes. With electric assist, recumbent bikes become much more usable vehicles with significantly extended range and ability to climb the steepest of hills, which is a common weakness of the reclined body position. Electrification also significantly increases the price of these machines, making them a significant investment. Our bicycle insurance policy covers all recumbent bikes that fall under Class 1, 2, or 3 e-bike regulations.
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. Select any coverage to see the details.
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.
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 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, $300,000 or $500,000 per occurrence.
E-bike liability insurance →If you’re hurt and require medical attention, our optional medical gap will take care of your medical bills, up to the selected limit. The payments are paid directly to you to supplement the deductible of your personal health insurance policy.
Medical gap insurance →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.
One of the scariest things that can happen to a cyclist is getting hit by a car. This coverage will pay for medical expenses, physical therapy, mental health services, lost wages, and other expenses that arise from a bicycle-car accident.
Uninsured motorist insurance →We cover all electrically assisted Class 1, 2, and 3 bikes with a maximum assisted speed of 28 mph. All protections available for conventional bicycles also apply to electric ones.
E-bike insurance →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. We cover the insured bicycle for loss or damage while it's on its way to or from your destination by air or road. Even if it falls off a vehicle rack or is hit in a rear-end accident, it is covered, no arguments.
Bicycle travel coverage →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.
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.
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.
In the heat of a race, the focus on speed often outweighs concerns for safety, leaving little margin for error. If you go down in a crash, this optional coverage takes care of repairs or replacement. If you use your bike in a competitive environment, this is a no-brainer because it offers protection in the highest-risk category.
Bicycle racing insurance →If your travels take you beyond the USA and Canada, for a small additional premium, this option extends the physical loss and damage protection, including loss or damage caused by an airline, to any country in the world.
International coverage →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.
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.
Why Velosurance is best for your cargo 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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Frequently Asked Questions
- What does recumbent bike insurance cover?
- The core policy is all-risk, meaning anything not specifically excluded is covered: crash and accidental damage on public streets, bike paths, or country roads, theft subject to the policy's locking conditions, and loss or damage in transit by car, airline, or courier. Optional coverages add liability, medical gap, uninsured motorist, racing, and worldwide protection. Physical damage claims are subject to the deductible.
- How much does recumbent bike insurance cost?
- Policies start at $100 per year, about $9 a month. The insured value of the bike drives most of the premium, and recumbents and velomobiles often carry higher price tags than upright bikes, so expect the quote to track what it would cost to replace yours. Insuring two bikes on one policy saves 10%, and three or more saves 15%.
- Are recumbent trikes covered too?
- Yes. Recumbent two-wheelers and recumbent trikes can both be insured, including Class 1, 2, and 3 electrically assisted versions. Each is covered at stated value with no depreciation, so a total loss pays the value you insured it for rather than a depreciated market price, a distinction worth having on a niche machine that is costly to replace.
- Is a crash covered while I am still adjusting to the recumbent position?
- Yes. Crash and accidental damage are covered no matter how the crash happens, including a tip-over at a stop while you get used to clipless pedals and the lean-back position, subject to your deductible. Damaged riding apparel, gloves, shoes, sunglasses, and your helmet are covered up to $500 per loss, and spare parts up to $500 per loss, each with a $1,000 policy term limit. Cosmetic damage that does not affect function is excluded.
- Is my recumbent covered against theft from my garage?
- Yes. At home, a theft claim requires signs of forcible entry, which fits how garage-kept recumbents are actually stolen: a pried door or a broken lock is a covered theft. Away from home, the recumbent must be locked to an immovable object with an appropriate security device. Every theft claim requires a police report, so file one the same day.
- What protection do I have if a car hits me?
- Damage to the recumbent itself is covered by the core policy. Your own losses fall to two optional coverages that split the aftermath of a car-bike collision. Medical gap reimburses your out-of-pocket medical costs (deductible, copays, co-insurance) after your health plan pays its share, regardless of the driver's insurance. Uninsured motorist picks up losses beyond medical bills, such as lost wages, when the at-fault driver cannot pay. Recumbents sit low and are easy for drivers to miss, so elect both coverages before the accident.
- Are Class 1, Class 2, and Class 3 electric recumbents covered?
- Yes, electrically assisted recumbents in all three classes, with a maximum assisted speed of 28 mph, are covered with the same protections as conventional bikes: theft, crash damage, and transit under the core policy, plus the same optional coverages. Electrification raises the price of these machines considerably, so insure the bike at the value it would take to replace it.
- Do I need liability coverage on a recumbent?
- For a recumbent ridden on shared paths, it earns its place. Liability coverage protects you when you injure someone or damage their property while riding, transporting, or storing the recumbent, and being sued does not require being at fault. It pays for your defense in a covered lawsuit and covered settlements up to the limit you choose. Pedestrians are the likeliest claim on a path, and the coverage must be elected before the accident.
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America's best cargo bike insurance
The bicycle insurance policy protects you and your cargo bike from all cycling risks like crashes, theft, medical expenses, or personal liability.