Velosurance bicycle insurance

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.

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500 NE Spanish River Blvd Suite 103C
Boca Raton, FL 33431
United States
+1 (888) 663 9948

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All-risk bicycle insurance for road cyclists

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Best insurance for your road 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, such as a triathlon transition area, 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 Velosurance for roadies

Why Velosurance for roadies

Road biking is a hobby that for many escalates to the edge of obsession, for all the right reasons. Some are attracted to the accessibility of the sport: as long as there's a road to ride on, there's an adventure to be had. For many it’s the energy of fellow cyclists, a camaraderie that research suggests has a profoundly positive effect on stress levels and overall mental health. Whether riding alone or with a group, competitively or not, there's something liberating about hopping on a bike and pedaling away. Despite the majority of rides being uneventful, every roadie will eventually experience a crash resulting in at least some road rash. If the accident causes damage to the bike or injury to oneself or others, things can quickly become complicated.

Having dedicated bike insurance coverage for unexpected situations such as a crash or theft can soften the financial blow and allow you to return to your hobby almost immediately. For those for whom cycling is a lifestyle may find it advantageous to obtain additional coverage to cover their specific risks.

Road 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.

crash damage coverage

If you ride long enough, you will eventually crash, it’s simply the nature of the sport. While bike handling skills develop with experience, even the most seasoned riders are prone to crash once in a while. Fortunately, the majority of crashes are minor, resulting in nothing more than a bruised ego and some scratches on the bicycle. However, there are occasions when a crash can cause you to second-guess your choice of hobby, and make you wish you had insurance.

Although road bikes are built to endure the rigors of long days in the saddle, they are considerably less durable in the event of a side impact, particularly when the frame or protruding components such as the derailleur collide with pavement. Despite its remarkable specific strength, carbon fiber is not as impact-resistant as steel and aluminum, despite being stronger than both materials.

The standard policy not only covers the cost of repairing the bike but also compensates for any damaged riding gear and apparel (up to $500). Additionally, it provides an extra $500 per loss, with a maximum of $1,000 for the policy term, to help cover the cost of spare parts, such as a racing wheel set.

Road bike theft coverage

If your bike is stolen from your home, car, workplace or any other secure location, it’s covered.

theft coverage

The recent surge in bicycle popularity, coupled with logistical challenges and parts deficit has disrupted the bicycle market, creating a surge in demand amidst limited supply. This perfect storm has resulted in a spike of 24% in bike theft since 2019. To exacerbate the situation, bike theft is the least reported and solved crime. The harsh reality is that if your bike is stolen, you probably won’t see it again.

The widespread availability of battery-powered cutting tools has made bike theft exceedingly effortless: even the sturdiest U-locks, chains, and cable locks offer less than a minute of protection against an electric angle grinder equipped with a diamond disc. Thieves are now scouring public garages, shopping mall parking lots, and even residential neighborhoods in search of easy targets.

Our standard bicycle insurance policy provides coverage against theft at home and away. When left unattended in public, the bike must be secured to an immovable object such as a bike rack for the coverage to be in effect.

Velosurance covers all types of road 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.

medical coverage

Cycling, like any physical activity, carries a certain degree of risk. However, whether or not cycling is a dangerous sport largely depends on the individual's level of experience, skill, and the conditions in which they ride. Every rider is bound to experience a few crashes as they start out in the sport. Crashes are opportunities to learn and progress, hopefully with minimal injuries. While most injuries are not severe, the longer one rides, the greater the chances of eventually experiencing a more serious injury that requires significant medical attention.

Riding a bike without sufficient health coverage is generally unwise. A serious accident resulting in a broken collarbone or severe road rash will lead to an emergency room visit, surgery, and an extended recovery period. The final medical bill can be substantial enough to cause financial strain or even bankruptcy.

Medical payments are an optional coverage offered by a policy from Velosurance to address remaining medical expenses once your primary health insurance covers their portion. Typically, this includes the out-of-pocket deductible and copays for emergency room visits and medical facilities. Consider your primary medical insurance deductibles when selecting the appropriate coverage limit.

Vehicle Contact Protection

If you're hit by a car, this coverage will pay the expenses associated with getting hit by a car, regardless of fault.

vehicle contact coverage

Getting hit by a car is the worst fear of all cyclists since the potential for serious injury or death is high. Unlike a car driver who has the protection of a vehicle around them, a cyclist is exposed and vulnerable. Even a minor collision can result in serious injuries, including broken bones, head trauma, spinal cord injuries.

Even if a cyclist is fortunate enough to survive a collision with a car, the long-term consequences can be significant. In addition to physical injuries, a cyclist may experience emotional trauma and financial burden from medical bills, prolonged physical therapy and other recovery costs, as well as lost wages.

The optional Vehicle contact protection coverage on a policy from Velosurance provides coverage for medical and related expenses incurred as a result of a car-bicycle accident. This coverage is highly recommended for anyone who rides on public roads, including roadies and bike commuters.

Damage in transit

Your bike is covered for damage whether it's on your car or in possessoin of an airline or a postal courier.

medical coverage

While some road cyclists prefer sticking to familiar routes, many others enjoy the thrill of exploring new locations on their bikes. Whether it's a weekend trip to a neighboring town, a road trip with multiple scenic stops, or a winter getaway to a sunny destination, cycling enthusiasts are always looking for their next adventure.

Thankfully, airlines have recognized the growing demand for air travel with bicycles and have made it easier than ever before. However, despite the improvements, airlines still have a reputation for being uncooperative or difficult to deal with when it comes to making claims for damages.

Unfortunately, bikes are frequently damaged during transportation, whether it's due to a mistake like driving into a low garage with a bike on the roof rack, or due to negligence of airport personnel or postal couriers. With a policy from Velosurance, your bike is covered for all types of damage during transit, giving you peace of mind when venturing away from home. For those traveling abroad, it's recommended to select the optional worldwide coverage, which extends your policy to any country in the world.

Velosurance, protecting you and your road bike

Those who consider cycling a part of their lives inadvertently expose themselves to certain niche risks, such as racing accidents and liability claims, that could result in financial strain. Our policy offers a wide range of optional coverages that can be used to eliminate or minimize risks associated with the cycling lifestyle.

E-road bike coverage

E-bike owners can also have the peace of mind that their bike is covered, just like a conventional bike.

medical coverage

It’s difficult to argue with the fact that e-bikes are changing cycling, making it more accessible for beginners, the aging population and those with special needs. In fact, for every type of bicycle that’s on the market, there’s an e-bike version that’s just as capable and probably more fun to ride. E-bikes can go faster with less effort, making the steepest climbs more feasible and training with a stronger partner less demoralizing. Road e-bikes are no exception: every major brand now offers at least one e-road bike in its lineup, most of them are difficult to distinguish from their “acoustic” counterparts.

The extreme popularity of e-bikes is backed up by a scary statistic: electric bikes are three times more likely to be stolen than non-electric. This staggering difference is explained by the high value of the bikes and the demand that they command. A bicycle insurance policy from Velosurance covers Class 1, 2, and 3 electric bikes and offers all the coverages that would apply to a regular bike.

Coverages and features

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.

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.

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.

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.

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.

Electric Bicycle 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.

Liability Protection

We will protect you from personal liability (injury, sickness, death, or damage to property) you cause while riding your bike.

Worldwide Coverage

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.

Your bike - your choice

Nationwide Bike Shop Repair. It's your bike and where you get the bike repaired is your choice.

Gear and apparel

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.

Race Coverage

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.

Why Velosurance is best for your gravel 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 Velosurance bicycle insurance
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

Customer Stories

Client satisfaction is our #1 goal. Here's what our clients say about Velosurance

"Thank you so much to Velosurance!! My Ebike was stolen recently while on a trip to Minneapolis.. I was so bummed to lose it and I wasn't sure if it would even be covered.. Dan Madsen and Velosurance were very understanding and covered my claim in full.. "

Piper D
Piper D
Baltimore, MD

"Velosurance is great! I’ve had them for 5 years now and it gives me peace of mind knowing that I have my bike stuff covered. I have made a few claims and everything was taken care of and solved in a timely manner. Definitely recommend getting velosurance. "

Steven G
Steven G
Los Angeles, CA

"I have insured my bikes with Velosurance for 10 years and had to make two claims. Once I damaged my wheels on vacation, the second I was hospitalized after a massive crash. They were incredibly responsive both times, and made a stressful time incredibly easy. "

Gary K
Gary K
San Francisco, CA

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America's favorite road bike insurance

No matter where your adventures take you, protect your road bike and yourself from the unexpected with America's favorite bicycle insurance.

Free instant quote

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.

velosurance mission

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.

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.

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Velosurance discounts

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