Countless cyclists eagerly anticipate the arrival of summer’s warm weather, longer daylight hours, green landscapes, and cycling events However, for others, summertime means scorching sunshine and soaring temperatures
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.
America's favorite tricycle insurance
The bicycle insurance policy protects you and your tricycle from all cycling risks like crashes, theft, medical expenses, or personal liability.
Free instant quote
customer rating on
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 favorite 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 vehicle contact protection are also available.
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 tricycle
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 |
Customer Stories
Client satisfaction is our #1 goal. Here's what our clients say about Velosurance
"I was extremely satisfied when I had to file a claim for an accident that damaged my bike frame. After submitting the bike shops report and estimate, a check arrived in the mail within a few days. I also appreciate having roadside service available. They clearly are an honest and reputable company. "
![Luke R]( "Luke R")
Luke R
"I have been using Velosurance for a few years now and have received nothing but top-notch service. Thankfully I have only had to file claims a couple of times and each time I have received very fast reimbursements for both medical and bike repair costs. "
![Joshua S]( "Joshua S")
Joshua S
"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. "
![David H]( "David H")
David H
Contact Us
'Convinced yet? Let's make something great together.
If you have any questions, don't hesitate to get in touch with us.'
America's favorite tricycle insurance
The bicycle insurance policy protects you and your trike from all cycling risks like crashes, theft, medical expenses, or personal liability.
Free instant quote
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.
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.
Read More
How to make friends in the cycling community
Cycling is not only a great way to stay fit and explore local surroundings, but for many, it also serves as a gateway to a vibrant community where meaningful connections...
Read More
How to be a greener rider
The simple act of riding a bike instead of driving a car can have a profoundly positive impact on the environment. According to a notable study conducted by MIT in...
Read More
How to use e-bikes for recovery and rehabilitation
Recovering from injuries or undergoing rehabilitation can be a challenging and sometimes frustrating journey, but incorporating electric bicycles, or e-bikes, into your rehabilitation program can make all the difference. While...
Read More
When to hire a bicycle accident attorney
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...
Read More
Why you should buy your next bike from a local bike shop
Many people turn to online retailers for convenience and savings when shopping for a new bike. Window shopping for bikes from the comfort of your home is a great way...
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.