Whether you’re a seasoned cyclist or just starting out, it’s important to know when to seek the help of a bicycle accident attorney. For many people, cycling is a way...
Velosurance is a national insurance agency founded by two cyclists in response to the insurance needs of bicycle riders nationwide. We partnered with an A.M.Best “A” rated, US insurance company to provide a multi-risk policy offering protection to all types of cyclists.
No matter where your adventures take you, protect your recumbent bike and yourself from the unexpected with America's favorite bicycle insurance.
Insurance coverage for your recumbent bike or velomobile 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.
Your velomobile 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.
If your recumbent bike is stolen from your home, car, workplace or any other secure location, it’s covered.
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.
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 and velomobiles, repairing or replacing one can be costly. Bicycle insurance offers coverage for both recumbent bikes and velomobiles, 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.
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 or a velomobile. 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.
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 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.
This optional coverage will pay the leftover bills once your primary health insurance has paid its share.
Most recumbent bikes and velomobiles are ridden in the city and suburban areas on dedicated and shared bike paths, public streets and less-congested country roads. Both recumbent bikes and velomobiles 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 payment coverage that pays for medical expenses beyond primary health insurance, such as copays and deductibles.
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.
Our policy offers a wide range of optional coverages to eliminate or minimize risks of cycling lifestyle.
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.
We will protect you from personal liability (injury, sickness, death, or damage to property) you cause while riding your bike. Coverage limits offered: $25,000, $50,000, $100,000 or $300,000 per occurrence.
We cover all electric bikes with nominal power of 750 Watts or less. All coverages available for conventional bikes also apply to e-bikes.
Electrictrification adds the needed range and power to both recruitment bikes and velomobiles, making them much more capable adventure machines
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.
Velosurance core policy 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 coverage, and medical gap coverage.
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.
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.
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.
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.
We cover all electric bikes with nominal power of 750 Watts or less. All coverages available for conventional bikes also apply to e-bikes.
We will protect you from personal liability (injury, sickness, death, or damage to property) you cause while riding your bike. Coverage limits offered: $25,000, $50,000 or $100,000 per occurrence.
If your travels take you outside of the USA and Canada we can extend the policy's physical damage and theft coverage worldwide for a reasonable additional premium. This also covers the bike while in transit by the airline.
Nationwide Bike Shop Repair. It's your bike and where you get the bike repaired is your choice.
If your apparel, such as helmet, shoes, glasses or riding kit is damaged in an accident, it's covered up to $500. Spare parts, such as a racing wheelset are also covered up to $500, up to $1,000 per policy term.
Damage due to a crash while racing is covered with an optional coverage. In the heat of a race, the focus on speed often outweighs concerns for safety, leaving little margin for error. In the unfortunate event of a crash, the racing coverage option will provide coverage for your bike.
Not all types of insurance are created equal. Velosurance levels the playing field by offering a stand-alone bike insurance policy, where claims will not affect your homeowner or renters policy premiums.
Policy Coverage | Home Owner/Renters Policy | ![]() |
---|---|---|
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 |
FREE INSTANT QUOTE |
"My bicycle suspension was broken after a crash in a mountain bike park. Luckily, Velosurance policy covered that and I was up and riding a very short time. Would recommend. "
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Jack P
"Airline damaged by bike during my flight to an event in a different state. It was a carbon bike and it was completely ruined. I took the pictures as evidence and submitted them along with the claim. Velosurance reimbursed me within a week which was very welcome. "
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Melissa E
"In three years I made two Velosurance claims and both were paid within a week and for exactly the cost of repair to my bike. I ride an $8k bike and having insurance helps me sleep better at night knowing that this insurance will reimburse me if someone broke into my garage and stole my bike. "
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David H
The bicycle insurance policy protects you and your cargo bike from all cycling risks like crashes, theft, medical expenses, or personal liability.
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.
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.
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.
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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.