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 and velomobiles 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 and velomobiles can still be stolen. In such cases, having insurance can offer financial protection and reduce downtime by covering the replacement cost.

As a cyclist, getting hit by a car is one of the most terrifying experiences one can imagine. Unfortunately, for recumbent and velomobile riders this problem is all too real due to the very low height of these bikes. Both recumbents and velomobiles 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 Vehicle Contact Protection 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.

The trickle down effect from the boom of electric bikes made the technology available to recumbent and velomobile riders. Every major manufacturer now offers electrified versions of their bikes. With electric assist, both recumbent bikes and velomobiles 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 and velomobiles that fall under Class 1, 2, or 3 e-bike regulations.

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.

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