Velosurance Releases The Definitive Guide to the Best Bike Insurance for 2025

July 8, 2025

Industry Pioneer Delivers Comprehensive Resource for Modern Cyclists Facing Evolving Risks and Insurance Gaps

Boca Raton, FL /ENDURANCE SPORTSWIRE/ – Velosurance, the specialty bicycle insurance company that launched bike insurance on the US market in 2012, today released “The Definitive Guide to the Best Bike Insurance in 2025.” The comprehensive guide addresses the critical insurance gaps facing today’s cyclists as bike values soar and traditional insurance policies fail to provide adequate protection.

The Modern Cycling Insurance Crisis

“The cycling landscape has fundamentally changed since we founded this industry in the US,” said Dave Williams, COO of Velosurance. “Today’s cyclists own $5,000 to $15,000 machines with carbon fiber frames and electronic components. A single set of race wheels can cost over $3,000, while e-bike batteries alone can cost $1,000 to replace. Yet traditional insurance treats these valuable assets like department store sporting goods.”

The guide reveals alarming statistics about the inadequacy of conventional insurance for cyclists:

• Nearly 2 million bikes are stolen annually across the U.S. and Canada, with only 5% ever recovered
• Over half of stolen bikes are taken from homes, where riders assume they’re safe
• Most homeowners’ policies carry deductibles between $500 and $2,500, often exceeding the depreciated value insurers assign to bikes
• Filing a bike theft claim can cause homeowners insurance premiums to jump significantly or result in policy cancellation

Why Homeowners Insurance Falls Short

The guide extensively documents how homeowners insurance creates a lose-lose scenario for cyclists. “The strategic math simply doesn’t work,” explains the report. “When your $5,000 bike gets valued at $2,500 due to depreciation, leaving you with maybe $500 after a $2,000 deductible while jeopardizing coverage that protects your most valuable asset.”

In today’s climate-disaster-driven insurance market, where companies are pulling out of entire regions and tightening underwriting standards, maintaining a clean claims record on homeowners policies has never been more critical. The guide warns that filing bike theft claims can devastate relationships with home insurers, potentially leading to dropped coverage or difficulty obtaining new policies.

The Velosurance Solution: Thirteen Years of Industry Leadership

As the company that created the specialty bike insurance market in 2012, Velosurance has refined its approach based on over a decade of real-world claims data and customer feedback. The guide highlights Velosurance’s comprehensive coverage designed specifically for how cyclists actually ride, store, and risk their bikes:

Core Protection Features:

• Declared value coverage without depreciation
• Comprehensive theft protection both at home and away
• No specific lock requirements
• No limits on how long a bike can be left unattended away from home
• Crash and accidental damage coverage extending beyond the bike frame
• Transit coverage for travel by car, air, or shipping
• Coverage for custom builds and premium components
• Up to $500 in riding apparel coverage

Industry-Leading Optional Coverages:

• Medical payments coverage for high-deductible health plans
• Uninsured/underinsured motorist protection up to $500,000
• Racing coverage for competitive cyclists
• Medical payments coverage up to $10,000
• Uninsured motorist coverage up to $25,000
• Liability protection up to $500,000
• Worldwide coverage for international cycling adventures

Celebrating the E-bike Revolution

The guide pays special attention to e-bike insurance, noting that most standard policies exclude electric bikes entirely by classifying them as “motorized vehicles.” Velosurance provides comprehensive e-bike coverage for street-legal bikes meeting Class 1, 2, or 3 federal requirements, including protection for expensive batteries and electronic components.

“E-bike riders face unique risks that traditional insurers simply won’t touch,” the guide explains. “We embrace e-bikes with the same comprehensive coverage as traditional bicycles, recognizing their growing importance in transportation and recreation.”

Real-World Claims Experience

The guide emphasizes Velosurance’s customer-first claims experience, with streamlined processes that typically resolve straightforward theft and crash claims within 5-7 business days. “Our claims reputation speaks for itself in cycling forums and communities where riders share real experiences,” the company notes. Over thirteen years, Velosurance has paid out millions in claims, building trust through consistent, fair handling by dedicated claims representatives who understand cycling and don’t treat custom builds like department store bikes.

Cost-Effective Protection

Specialty bike insurance typically costs 3-8% of a bike’s value annually, with most cyclists paying around 5-6% for basic coverage. The guide provides strategies for reducing premiums, including:

• Multi-bike discounts of 10-15% per additional bike
• Higher deductibles reduce premiums by 15-25%
• Organization membership discounts through USA Cycling, IMBA, and USA Triathlon
• Annual payment options to avoid installment fees

Comprehensive Risk Management

Beyond insurance, the guide provides extensive risk reduction tips, noting that 54% of bike thefts happen at the owner’s residence. Recommendations include always locking bikes to immovable objects even at home, using high-quality U-locks with proper technique, and registering bikes with databases like Bike Index to improve recovery odds.

About Velosurance

Founded in 2012, Velosurance pioneered the specialty bicycle insurance market in the United States. The company is staffed exclusively by cyclists who understand the unique needs of the cycling community, from weekend warriors to competitive racers. Velosurance has consistently stayed ahead of cycling trends, from the e-bike revolution to the explosion in gravel riding and bikepacking, while maintaining its position as the industry’s most trusted specialty bicycle insurance provider.

View the complete The Definitive Guide to the Best Bike Insurance for 2025.

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

Note to editors: High-resolution images, infographics from the guide, and expert interviews are available upon request.