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Electric bikes, or e-bikes, have really taken off in popularity because they make cycling more accessible to people with different fitness levels. The ease of riding, especially over tough terrains, has made them appealing to a wide variety of cyclists. No matter the type of bike you prefer—from city cruisers to road bikes or even trikes—there’s an electric version available. Some might argue that mountain bikes benefit the most from this electric upgrade.
Mountain biking is a diverse sport with several sub-genres, including cross-country and downhill, but at its core, it’s about tackling challenging off-road paths. When you're navigating rocks, roots, and trying to keep moving forward, the energy required increases dramatically. Add in steep climbs and technical descents, and it becomes a very physically demanding activity, even for those who think they’re in good shape.
Electric mountain bikes, or eMTBs, have become increasingly popular because they enhance the overall mountain biking experience. These bikes combine the traditional excitement of off-road cycling with the convenience of an electric motor, making it easier for riders to tackle tough terrains and steep inclines. The electric assistance helps both beginners and pros cover more ground with less effort, allowing them to explore trails they might not have been able to reach before. This technology also broadens the appeal of mountain biking, making it more inclusive for riders of different fitness levels and those with physical challenges.
Even if you're a purist who loves acoustic bikes, don’t write off electric mountain bikes just yet. Just as you might choose an enduro bike for tough descents or a cross-country bike for long-distance rides, an e-mountain bike is another tool in your cycling arsenal for when traditional bikes might not cut it. And yes, the long-standing N+1 rule applies here too!
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Theft is a major concern for any bike owner, and unfortunately, bicycles are a prime target for criminals. According to FBI data, there are around 190,000 reported bike thefts each year in the U.S., meaning one bike is stolen roughly every 2.5 minutes. However, some estimates suggest the real number could be closer to 2 million annually, translating to a theft every 30 seconds. Shockingly, less than 5% of these stolen bikes are ever recovered, largely due to law enforcement's limited resources for investigating these crimes. In fact, statistics show that 80% of U.S. cyclists have had at least one bike stolen.
Bike thieves are opportunistic; they’ll target the easiest, unsecured bikes first. With the availability of powerful cutting tools, stealing bikes has become alarmingly simple. Even many U-locks, chains, and cable locks offer little protection against electric angle grinders, providing less than a minute of security. Thieves scout neighborhoods and busy parking lots looking for their next target.
Whether your bike is stolen from home or elsewhere, a Velosurance policy can provide coverage for properly secured bikes against theft and related issues. The policy covers the bike without depreciation, and making a claim won’t affect the rates of your other policies.
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Accidents are a natural part of mountain biking, especially for beginners. Even experienced riders can occasionally wipe out. With the added power of an electric motor, eMTBs allow riders to traverse terrain at speeds that would impress many professional cyclists. However, most eMTB riders lack the advanced bike-handling skills of those professionals, which can lead to more frequent crashes. While crashes can be scary, costly, and painful, they also offer valuable learning experiences.
Beyond crashes, bikes can suffer damage in various other ways, often involving motor vehicles. For instance, accidentally backing over a bike left behind a car or hitting low-clearance overhangs with a bike on a roof rack can cause serious damage.
A specialized bike insurance policy from Velosurance offers crash and accidental coverage for your bike and includes up to $500 replacement coverage for riding apparel, helmets, and accessories. There’s also an extra $500 per loss (with a $1000 limit for the policy term) for spare parts like a spare wheelset.
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Mountain bikes are often transported by car or truck, given that most adventures start beyond our doorstep. Bike racks provide some security, but the intense forces exerted during transport can expose weaknesses like poorly secured straps or worn-out bolts, potentially causing a bike to come loose and fly off. Electric mountain bikes, weighing over 50 lbs (22.5 kg), are particularly heavy and can push the limits of most bike racks.
For those embarking on international adventures, checking your bike on a flight is sometimes unavoidable. Airlines make it relatively easy to check in your bike, but once something goes wrong, dealing with them can be incredibly difficult, if not impossible.
If your bike is damaged while in transit—whether by car, plane, or courier—a Velosurance policy covers it. This includes scenarios where your bike doesn’t arrive at all and is considered a total loss. If you travel internationally with your bike, consider adding the optional Worldwide coverage to extend your policy’s protections globally.
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Mountain biking is thrilling but risky. The rugged terrain that excites you can also lead to injuries like bruises, scrapes, fractures, dislocations, and head injuries. For dedicated riders, having some form of medical coverage is essential in case of an accident, as out-of-pocket costs can quickly spiral out of control. Even with seemingly adequate health insurance, deductibles and copays can range from $1,500 to $15,000, and emergency room visits often come with separate copays.
Velosurance offers an optional Medical Payments coverage to help with out-of-pocket expenses. After your primary health insurance pays its portion, Velosurance’s coverage kicks in to cover deductibles and out-of-pocket costs, up to the policy’s limit. When choosing a Velosurance policy, consider your primary health insurance’s deductible and ER copay amounts.
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Racing, whether amateur or professional, adds an extra layer of excitement to mountain biking. The rise of eMTB classes across various competitions, from local to international events, highlights the growing popularity of electric mountain bikes. With electric assist, riders can match the power output of world champions, making races thrilling for everyone involved.
In the heat of competition, safety often takes a backseat, leading to numerous accidents. Crashes are common, and it’s not unusual to get taken out by another rider. Given the increased speeds, eMTB races are particularly prone to accidents.
Velosurance offers optional race coverage for your bike, which provides protection in high-risk categories that are hard to find elsewhere. If you travel more than 50 miles from home for a race and your bike doesn’t arrive due to circumstances beyond your control, the policy will reimburse you up to $250 for rental fees. If renting isn’t an option, you’ll receive up to $500 for race entry fee reimbursement.
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Cycling, in general, is an accident-prone sport. While many incidents result in minor cosmetic damage and bruised egos, things can escalate quickly if someone else gets hurt or property is damaged. Without witnesses or video evidence, police might hold the cyclist accountable, even if they weren’t at fault. Liability coverage is crucial in such situations, offering legal defense against lawsuits.
E-bikes face additional scrutiny from building owners, HOAs, and insurers due to the risk of battery-related fires. Although battery regulations are still being discussed at the federal level, many apartment complexes and HOAs already require e-bike insurance for bikes kept on their premises. It’s only a matter of time before homeowners’ insurance follows suit.
Velosurance offers optional e-bike liability coverage with limits ranging from $25,000 to $300,000, provided the bike meets federal Class 1, 2, or 3 e-bike standards.
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If riding an eMTB is a big part of your lifestyle, getting a specialized bike insurance policy is a smart move. Many risks associated with eMTBs aren’t covered by conventional insurance, and your existing coverage might not be enough.
With Velosurance, the value of your bike remains unchanged. In the event of a total loss, you’ll be reimbursed based on the original purchase price minus the deductible. If your bike is damaged in a crash or theft attempt, Velosurance will work with your preferred bike shop to repair it quickly. Claiming against Velosurance won’t affect your other policies’ rates.
Velosurance stands out as a unique bicycle insurance provider, carefully considering every aspect of the cycling lifestyle to ensure you’re fully protected no matter where or how you ride.