Ensuring protection for you and your bike


Here is a scenario quoted from “Legally Speaking: One key insurance tip for cyclists” by Bob Mionske:

You’re out on your favorite training route. It’s a beautiful day, and you’ve had a great ride so far. You’re nearing your favorite refueling spot when the unthinkable happens — a driver hits you with a left cross, knocking you to the pavement. You’re banged up, but alive. Your bike is in worse condition. The driver apologizes profusely, swearing he didn’t see you. He feels terrible. Police arrive at the scene, and an ambulance is summoned.

A few days later, you call the driver’s insurance company to talk about your claim. And that’s when everything changes. While your injuries and losses are expected to hit the $75,000 mark, the driver is insured for a paltry $15,000. Who pays for the other $60,000?

If an insurance policy doesn’t pay, you do.

Bob MionskeOlympianVeloNews

This article covers an important issue we do not often think about as cyclists. If you have an automobile insurance policy, the UM/UIM coverage provides protection for you. Here, I summarize some of the pitfalls of this coverage:

  • In some states “contact” is required for your UM/UIM coverage can be used i.e. a car has to physically hit you for coverage. If a swerving car causes you to fall off your bike and crash, this insurance cannot cover your bills.
  • Even if your state allows use of your UM/UIM coverage, when an uninsured driver hits you, your own insurance company can play devil’s advocate and argue that you are partially liable for the crash and fight you to pay out less.
  • Property damage may not be covered by your UM/UIM coverage. In most bad crashes, expensive bikes are destroyed. You should check with your insurance company the extent of coverage for your policy.

However, what if you’re like me and you don’t own a car, cannot afford a car or automobile insurance policy on a student salary, which is one of the biggest reasons why you ride your bike everywhere in the first place?

There are other options for cyclists such as Velosurance ( Velosurance offers affordable insurance policies for cyclists to insure their bikes for theft, physical loss, damage, and liability. If your automobile insurance policy does not cover property damage, this is a key resource you should consider.

Members of USA Cycling, USA Triathlon, and International Mountain Bicycle Association receive discounts on Velosurance bicycle insurance


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, road side assistance, 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, Velosurance will 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
If your bike is damaged in a crash or accident, whether you slide out in a corner, hit a pothole, get clipped in a crit or even drive your car into a garage with your bike on top, it’s covered by Velosurance.

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.

Roadside Assistance
Works just like AAA: when you get stranded, call Velosurance and they will come get you. Their nationwide 24-hour Emergency Service will provide up to 35 miles of transportation for you and your bike per breakdown.

Liability Protection
Velosurance 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.

Worldwide Coverage
Not all types of insurance are created equal. Velosurance levels the playing field by offering a stand-alone bicycle insurance policy where claims will not affect your homeowner or renters policy premiums.

Bike Shop Partner Network
Velosurance has partnered with a nationwide network of local bike shops (LBS). The network is available to you as a resource for bicycle repair or replacement. In case of a claim, a trusted partner will help you evaluate the severity of damage and prepare a repair estimate.

Have questions? Let us help!

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