Best insurance for your tricycle
Having insurance for your trike can offer financial security in the event of unforeseen accidents, theft, or damages. It doesn't matter if the incident is a minor mistake or a result of someone else's negligence, and whether it occurs while riding, at home, or during transportation.
Crash Damage
Your trike 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 tricycle is stolen from your home, car, workplace or any other secure location, it’s covered.
Liability Coverage
We will protect you from personal liability (injury, sickness, death, or damage to property) you cause while riding your tricycle.
Why you need Velosurance for your tricycle
Tricycles are perfectly fit to urban lifestyles by offering a practical, cost-effective, and flexible mobility alternative. As trikes are primarily used on public roads, sidewalks and shared paths, unfortunate incidents such as accidents, thefts, and damages are quite prevalent and can lead to substantial repair or replacement costs. Considering that for some a trike is the primary mode of transportation, it's imperative to safeguard the investment with insurance coverage. Bicycle insurance provides coverage for trikes and offers a peace of mind by ensuring that you are protected against unforeseen events.
Tricycle crash damage coverage
Your tricycle is covered if it’s damaged in a crash. If it’s damaged in any accident, it’s covered.
Although riding a trike is not overly difficult due to its inherent stability and naturally lower speed, it does require some adjustments. Tricycles are less maneuverable than regular bicycles and have wider turning radii and longer braking distances. These differences become more pronounced when the trike is loaded with cargo. While minor accidents can be valuable learning experiences, more severe crashes can result in significant damage. In such situations, having insurance can be advantageous. Bicycle insurance provides a sense of security and can cover the cost of repairs or replacement for a tricycle. Our basic policy covers up to $500 for riding gear, such as helmets, gloves, shoes, sunglasses, and apparel, as well as spare parts up to $500 per loss, with a policy term limit of $1,000.
Tricycle theft coverage
If your tricycle is stolen from your home, car, workplace or any other secure location, it’s covered.
Similar to any other valuable possession, tricycles are susceptible to theft. There are several methods of stealing cargo bikes, including theft from homes or garages, or stealing them from public parking areas or garages. Thieves find trikes attractive due to their high value, exceptional popularity, relative rarity, or because they are comparatively easy to sell. To prevent theft, it is crucial to secure your bike with a sturdy lock, store it in a secure location, and take precautions while transporting it. However, even with the best precautions, trikes can still be stolen. In such instances, having insurance for your bike can provide financial protection and minimize downtime by helping to cover the cost of replacement.
America's best tricycle 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. Coverage limits offered: $25,000, $50,000 or $100,000 per occurrence.
E-trike 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 tricycle coverage
Electric tricycles are an excellent substitute for a vehicle in urban environments. With extended range, hill climbing ability, higher speeds and ability to carry substantial cargo, they can be operated without a driver’s license and by people with special needs.
Electric bikes have undoubtedly become a permanent fixture in the biking world, despite previously being a controversial topic. While electrification makes any bike more versatile and fun, trikes are particularly noteworthy because of their niche use-case. With the help of an electric motor, trikes can travel farther and faster while carrying heavy loads up steep hills. Due to their relative ease of operation and accessibility, they have become a viable alternative to a family car or SUV, especially for the elderly and those with limited mobility and special needs. Our policy covers electric bikes and trikes just like normal bikes. Additional optional coverages such as liability, medical payments, and uninsured motorist coverage are also available.
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 tricycle
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 tricycle insurance cover?
- The policy covers your tricycle against crash and accidental damage anywhere you ride: roads, trails, group rides, and races. Theft is covered subject to the policy's locking conditions, as is loss or damage in transit, riding gear such as helmets, gloves, shoes, and sunglasses up to $500, and spare parts up to $500 per loss with a $1,000 policy term limit. The trike itself is insured at stated value with no depreciation. Optional coverages add liability, medical gap, uninsured motorist, racing, and worldwide protection, each elected before an accident. Wear and tear and cosmetic damage that does not affect function are excluded.
- Are electric trikes covered?
- Yes. Class 1, 2, and 3 electric trikes, up to a maximum assisted speed of 28 mph, are covered just like conventional trikes, and every coverage available for a regular trike applies to an e-trike. For older riders and people with limited mobility, that makes an e-trike a practical, fully insurable alternative to a car.
- How much does tricycle insurance cost?
- A Velosurance policy starts at $100 per year, roughly $9 a month, and the insured value of your trike drives the premium more than any other factor. Your location, how you ride, the deductible you choose, and the coverages you select set the exact number. Insuring two bikes on one policy takes 10% off the bicycle coverage premium, and three or more takes 15%.
- Is my trike covered if it is stolen?
- Yes. Theft is covered whether the trike is taken from your home, your car, or your workplace, subject to the policy's locking conditions, and damage from an attempted theft is covered too. Left unattended in public, lock it to an immovable object with an appropriate security device; the policy sets no brand or price requirement, so your usual lock works. A stolen trike pays out at stated value, and every theft claim requires a police report, so file one the same day.
- What if my trike is damaged while being transported?
- Damage or loss in transit is covered, whether your trike is on a vehicle rack, checked with an airline, or shipped by courier, including rack incidents and rough carrier handling. Transit coverage is part of the base policy, so there is no add-on to buy before you load the trike on the back of the car.
- Will I get the full value of my trike after a total loss?
- Yes. The trike is insured at stated value with no depreciation, so a theft or total loss pays the value you insured it for rather than a check discounted for age and wear, enough to replace it with a comparable trike.
- Can someone else ride my insured trike?
- Yes. The policy is written on a permissive use basis: anyone riding the trike with your permission is an insured, so lending it to a family member or friend does not interrupt coverage. Trikes, with their stability and ease of operation, tend to be the one everyone in the household wants to try, and the coverage follows the trike, not just you.
- Which optional coverages make sense for a trike ridden in the city?
- City riding makes the case for all three. Liability comes first: sidewalks, bike lanes, and crosswalks keep a trike close to pedestrians and parked cars, where one mistake becomes someone else's claim against you. Medical gap is next, because an injury from sharing streets with traffic is the most likely claim a city rider files, and it reimburses the out-of-pocket bills your health plan leaves behind. Uninsured motorist rounds out the set, replacing losses beyond medical bills, such as lost wages, when an at-fault driver cannot pay. Each must be elected before an accident.
- Do I need a driver's license to ride an electric trike?
- No. As of 2026, no state requires a driver's license to ride an electric trike, including New Jersey, whose new e-bike licensing law specifically excludes trikes. Class 1, 2, and 3 electric trikes are regulated as bicycles, not motor vehicles, so there is no registration or license plate requirement either. If that changes, the place it changes first is state law, so check your state's rules if you ride a trike faster than Class 3 limits.
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America's best tricycle insurance
The bicycle insurance policy protects you and your trike from all cycling risks like crashes, theft, medical expenses, or personal liability.