Bicycle insurance - what is covered?

When determining the value of your bicycle for insurance purposes, it’s essential to account for everything typically attached to your bike during rides, along with certain additional items that may not always be fixed but are considered essential cycling accessories, such as a bike trailer. These extras can significantly impact the overall value of your insured property. Velosurance offers comprehensive coverage that extends beyond just the bike itself. For instance, **bicycle trailers** are often costly and should be factored into your insured value if you wish for them to be covered under your policy. Similarly, **wheelsets**, particularly those used for racing versus training, are also included in the insured value. If you use a specific set for racing, ensure that both your racing and training wheels are listed at their full value to maximize coverage. Cycling accessories like **cargo mounts, baskets, and panniers** are generally covered, though their contents usually aren’t. This means that if you’re a touring cyclist carrying non-cycling items like casual clothing or camping gear in your panniers, they wouldn’t be covered. Likewise, commuting cyclists who transport work attire, laptops, or tablets in their bags should note that these items fall outside the scope of typical cycling insurance.  Additional items such as **lights, cameras, GPS units, power meters, and other accessories** that you frequently use while riding are all covered under Velosurance policies. Furthermore, every component attached directly to your bicycle—whether it’s a custom frame, specialized handlebars, or advanced drivetrain components—is protected as well. In summary, Velosurance ensures that your entire setup, from the smallest bolt to the largest trailer, is safeguarded against unforeseen events. Whether you're a competitive racer, long-distance tourist, or daily commuter, having peace of mind about your equipment's protection is invaluable. --- For those seeking reliable protection for their two-wheeled investments, Velosurance stands out as America’s premier choice for bicycle insurance. Get started today with a free instant quote and take the first step toward securing your ride! --- *Note: Always consult your policy details to confirm specific inclusions and exclusions tailored to your unique needs.*

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