Protect your Pedego
with E-Bike Insurance
Ride More. Worry Less.
You bought your Pedego to ride more, not to worry more. Whether it’s stolen out of your garage, taken off a rack while you’re inside the cafe, vandalized at the trailhead, banged up after a spill, or dropped while you’re loading it onto the car, Velosurance covers it at full agreed value with no depreciation.
That includes the battery on its own, plus the motor, drivetrain, and anything bolted on: the rack, the lights, the fenders, the basket.
Layer in optional coverages and the umbrella widens past the bike to you, and to anyone else on the path.
Full Agreed Value
Paid in full, no depreciation, ever.
Electronics Covered
Battery, motor, and controller included.
Fast Claims
Most claims paid in 2 weeks.
Your Bike, Covered
From theft and vandalism to crashes and accidental damage, the ways an e-bike can be lost or harmed are covered. Your Pedego is protected at full value, with no depreciation, whether it’s locked at home or on the back of your car.
Your Gear, Covered
Accessories like baskets, mirrors, lights, and racks are protected against theft and damage, no matter who installed them. Your helmet, gloves, glasses, and riding apparel are covered for crash damage or theft.
You, Covered
Velosurance protects you, not just the bike. Optional coverages* like medical, liability, and uninsured motorist layer onto the base policy, so you can shape protection around how, where, and how you ride.
Why Velosurance?
Velosurance pioneered stand-alone bike insurance in the United States and has handled tens of thousands of claims since 2012. Our policies are built for how cyclists ride. When something happens to your bike, our claims team understands what you're going through, because they're riders themselves.
Because every rider is different, your policy is too. Customizable coverages and adjustable limits let you build the right level of protection for your bike, you, and how you ride, working alongside any other policies you already own.
For Pedego owners, that's protection that fits the bike you love, so you can just ride.
Get a QuoteWhat's Covered
Essential Coverage
E-Bikes
We cover all electrically assisted Class 1, 2, and 3 bikes with a maximum assisted speed of 28 mph.
Theft
We pay to replace your bike if it's stolen, whether it's lifted from your garage or out of the back of your RV, or repair it if it's damaged in the process.
Crash
Whether it's your fault, someone else's, an honest mistake, or just bad luck, if your bike is damaged in an accident, we'll cover the cost to repair or replace it.
In-Transit
Whether it falls off the back of your car or RV, or is lost by a shipping carrier, it's covered.
Accessories
Your rack, lights, fenders, basket, and any other accessories attached to the bike are covered at the full agreed value when stolen or damaged.
Optional Coverages
Liability
If you accidentally hurt someone or damage their property while riding, we cover both your legal defense and the resulting claim, up to your policy limit.
Medical
We step up where your primary health coverage falls short to cover deductibles, co-pays, co-insurance, and other medical bills you may be stuck with.
Uninsured Motorist
If you're hit by an uninsured or underinsured driver, we'll pay for medical expenses, physical therapy, mental health services, lost wages, and other expenses that may arise.
Frequently Asked Questions
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Your premium depends on a variety of factors, such as your bike’s value, where you live, and the coverages you choose. Get a free quote in just a few minutes to see your specific rate.
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No. Velosurance is a stand-alone bicycle policy, completely separate from your homeowners or auto insurance. A claim with us is recorded against your Velosurance policy alone, not your home or auto. Within your Velosurance policy, renewal pricing is based on a full review at renewal, not automatically triggered by a single claim.
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Yes. The motor, battery, and controller are covered against theft and damage from a crash, fall, or other covered loss, such as water damage. Normal wear and gradual battery degradation aren’t covered, but accidents and theft are.
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At home, your Pedego is covered as long as it’s stored behind a locked door, such as inside an apartment, a locked garage, or a locked shed. When the bike is left unattended away from home, be it at a coffee shop or in a shared bike room, it must be locked to an immovable object, such as a cemented-in bike rack, a utility pole, or a vehicle bike rack.
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The optional Medical coverage is built for that. It steps in where your health insurance leaves off, covering the deductible, co-pays, co-insurance, and other bills you’d otherwise pay yourself. Payments come directly to you, so you can decide how to apply them.
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The optional Liability coverage is designed for this. It covers both your legal defense and any resulting claim if you accidentally injure someone or damage their property while riding. You can choose a limit that protects your assets, including limits high enough to qualify as underlying coverage for a personal umbrella policy.
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The optional Uninsured Motorist coverage covers exactly that. It pays for your medical expenses, physical therapy, mental health support, lost wages, and other costs you'd otherwise be stuck with when the at-fault driver can't or won't cover them.
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Yes. You can set your coverage to start the same day you buy, or pick a future date to align with your bike’s delivery.
Velosurance D/B/A in CA as Velosurance Bicycle Insurance Solutions. Policies underwritten by Markel American Insurance.