Velosurance Releases the Definitive Guide to Bike Insurance for 2026

December 29, 2025

Industry Leader Addresses Rising Theft, Medical Costs, and Liability Risks Facing Modern Cyclists

Boca Raton, FL (December 29, 2026) /ENDURance sportswire/ — Velosurance, the specialty bicycle insurance company that pioneered bike insurance in the United States in 2012, today announced the release of The Definitive Guide to Bike Insurance for 2026. The new guide builds on the company’s long-standing industry leadership and examines how evolving risks such as record theft levels, rising medical deductibles, and increased e-bike regulation are reshaping what cyclists need from insurance coverage.

The guide can be found here: The Definitive Guide To Bike Insurance In 2026.

As cycling continues to grow as both transportation and recreation, the guide highlights a widening gap between traditional insurance policies and the real-world risks riders face in 2026.

The Changing Risk Landscape for Cyclists
“Cycling in 2026 looks very different than it did even a few years ago,” said Dave Williams, COO of Velosurance. “The value of bikes has increased, theft is more organized and widespread, and medical and liability exposure is far more significant. This guide is designed to help riders understand those risks clearly and choose coverage that actually protects them.”

The 2026 guide focuses on four areas now defining bike insurance decisions:

• Theft as the most common loss
  Millions of bicycles are stolen each year, with recovery rates remaining below five percent. The guide explains why agreed-value coverage has become essential as replacement costs continue to rise.
• Medical cost exposure after crashes
  With health insurance deductibles commonly reaching into the high four figures, even minor crashes can result in substantial out-of-pocket expenses. The guide details how medical gap coverage helps address these shortfalls.
• Uninsured and underinsured motorists
  A significant share of drivers lack sufficient insurance, leaving cyclists financially exposed after vehicle collisions. The guide outlines how uninsured motorist coverage fills this gap when drivers cannot pay for the damage they cause.
• Growing liability concerns, especially for e-bikes
  Increased speeds, heavier bikes, and shared-space riding have expanded personal liability exposure. In many cities, proof of liability insurance is now tied to housing rules and umbrella policy requirements.

E-Bikes and Increased Regulatory Attention
The guide dedicates special attention to e-bikes, noting that many standard homeowners and renters policies still exclude them entirely. As cities and residential buildings introduce new requirements related to battery safety, storage, and liability, specialty coverage has become critical for both compliance and protection.

“E-bikes now sit at the intersection of transportation, housing rules, and personal liability,” the guide notes. “Insurance is often what allows owners to keep riding without disruption.”

Coverage Based on How People Ride
Rather than promoting one-size-fits-all policies, the guide breaks down coverage needs by riding style, including commuters, road cyclists, gravel riders, racers, e-bike owners, and multi-bike households. Each section explains which risks are most likely and how coverage can be aligned accordingly.

Claims Experience Still Matters Most
Drawing on more than a decade of claims data, the guide emphasizes that insurance value is ultimately proven at the claims stage. It encourages riders to look beyond policy summaries and consider customer reviews, documentation requirements, and communication quality when comparing insurers.

“Two policies can look similar on paper, but the claims experience is where the difference becomes very real,” Williams said.

About Velosurance
Founded in 2012, Velosurance created the specialty bicycle insurance market in the United States. The company is staffed by cyclists and focused exclusively on bicycle and e-bike coverage. Velosurance has remained at the forefront of industry changes, from high-value carbon builds to the rapid adoption of e-bikes, while maintaining a reputation for rider-focused coverage and consistent, transparent claims handling.

The full Definitive Guide to Bike Insurance for 2026 is now available.

For more information about Velosurance or to obtain coverage, visit velosurance.com or call (888) 663-9948.

Media Contact

Dave Williams, COO
press@velosurance.com
(888) 663-9948