Bike insurance provider
Velosurance: what it covers and what it costs
The policy covers theft, crash damage, and transit loss as standard. Liability, medical gap, and uninsured motorist cover are optional. The provider sells the policy in all 50 states and Washington, DC.
What this page is
Bike Size Charts publishes frame size charts. We do not sell insurance policies and we cannot bind coverage. Every coverage and cost fact below names the insurer page it came from and the day we checked it.
What it covers
- Theft
- Crash damage
- Transit
- Liability
- E-bike
- Racing
- Theft
- The bike is stolen at home or away from home.
- Crash damage
- The bike is damaged in a crash or a fall.
- Transit
- The bike is lost or damaged while it travels in a car, train, ship, or plane.
- Liability
- The policy pays a third party you injure or whose property you damage.
- E-bike
- The policy accepts class 1, 2, and 3 electric bikes.
- Racing
- The policy covers damage in a race or an event, either as standard or as an add-on.
What it costs
Policies start at $100 a year. Frame material, insured value, deductible, location, how you ride, and the cover you select set the rest.
What it publishes
Each term comes from the provider's own page. The link beside it opens that page.
- Insurer behind the policy
Markel American Insurance Company. A.M. Best rates Markel A.
- Deductible
You choose the amount at quote time. One deductible applies to each covered loss.
- Value it will insure
No upper value limit.
- Where it sells
All 50 states and Washington, DC.
- What is not covered
Wear and tear, mechanical breakdown, cosmetic damage, and commercial delivery fall outside the policy.
velosurance.com/faq/velosurance-all-risk-policychecked 2026-10-26
- Claims
Start the claim online. Send the loss date, a description, photos, a police report for a theft, and a repair estimate if you have one.
- Lock rule
Away from home, lock the bike to an immovable object. Inside a closed garage the policy does not require a lock.
velosurance.com/faq/theft-coverage-conditionschecked 2026-10-26
- Optional cover
Liability, medical gap, and uninsured motorist cover are optional add-ons.
- Racing
Racing is covered once you elect competitive use on the policy.
- Discounts
Two bikes take 10% off the bike premium, three or more take 15%. USA Cycling, USA Triathlon, and IMBA members take another 10%.
What is not covered
The provider's own page excludes these losses.
- Wear and tear and mechanical breakdown.
- Cosmetic damage that does not affect how the bike works.
- Commercial use: food delivery, messenger work, and any paid delivery. Coverage suspends while you do it.
- A race crash unless you elect competitive use on the policy.
velosurance.com/faq/velosurance-all-risk-policychecked 2026-10-26velosurance.com/bicycle-crash-insurancechecked 2026-10-26
How a claim works
The provider's page names each step and the document it needs.
- Start the claim online and describe the loss.
- Send the policy details, the loss date, and photos.
- For a theft, add the police report. Add a repair estimate if you have one.
- A claims professional assesses the damage and guides the repair or replacement.
- For frame damage, the policy pays the labor to strip and rebuild the bike.
What to check before you buy
These terms decide whether the policy fits your bike and your riding. Each one comes from the table above, with its page.
- Check the deductible: You choose the amount at quote time. One deductible applies to each covered loss.
- Check the insured value: No upper value limit.
- Decide on optional cover: Liability, medical gap, and uninsured motorist cover are optional add-ons.
- If you race, check the racing term: Racing is covered once you elect competitive use on the policy.
- Read the lock rule: Away from home, lock the bike to an immovable object. Inside a closed garage the policy does not require a lock.
Compare the cover labels
Yes means the provider's own page lists the cover as standard. Racing shows the term from the table above, because providers sell it as an add-on or a separate policy. Read across a row to see the other providers' answers.
| Cover | Sundays Insurance | Velosurance | BikeInsure |
|---|---|---|---|
| Theft | Yes | Yes | Yes |
| Crash damage | Yes | Yes | Yes |
| Liability | No | Yes | No |
| Transit | Yes | Yes | Yes |
| E-bike | Yes | Yes | Yes |
| Racing | Add-on | Elect competitive use | Separate race policy |
Before you quote
What does Velosurance cost?
Policies start at $100 a year. Frame material, insured value, deductible, location, how you ride, and the cover you select set the rest. The cost page behind that figure is linked below.
What deductible does Velosurance charge?
You choose the amount at quote time. One deductible applies to each covered loss.
Where does Velosurance sell cover?
All 50 states and Washington, DC.
Does Velosurance cover theft?
Yes. Velosurance lists theft cover. The note above says whether it is standard or an option.
Does Velosurance cover an e-bike?
Yes. Velosurance lists e-bike cover. The provider page sets the conditions for an e-bike.
Does Velosurance cover racing?
Yes. Velosurance lists racing cover. Racing is covered once you elect competitive use on the policy.
Sources
Each page below was read on the date shown.
- Velosurance coverage pagechecked 2026-10-26
- Velosurance cost pagechecked 2026-10-26
- Velosurance: deductiblechecked 2026-10-26
- Velosurance: value it will insurechecked 2026-10-26
- Velosurance: what is not coveredchecked 2026-10-26
- Velosurance: claimschecked 2026-10-26
- Velosurance: lock rulechecked 2026-10-26
- Velosurance: racingchecked 2026-10-26
Other providers
Open another provider page, or return to the full comparison.
Sundays Insurance
The policy covers theft at home and away from home, crash damage, malicious damage, and loss in transit within the US. Racing and event cover is an add-on. It has no third-party liability cover.
BikeInsure
The policy covers accidental damage and transit damage, and theft cover is optional. Every policy has a $150 deductible per claim. BikeInsure holds a license in all 50 states and DC. The territory a policy covers varies by state.
Buying the bike too? Bike size chart and the bike size calculator start with height and inseam.