Why electric mountain bike riders should consider specialty bicycle insurance
June 28 04:07:13, 2025
Electric bikes, or e-bikes, have become increasingly popular by making cycling more accessible to people of all fitness levels. The ease of riding, especially on tough terrains, has attracted a wide range of cyclists. While there's an electrified version of every type of bike—from city commuters to road bikes and even trikes—mountain bikes benefit the most from this innovation.
Mountain biking encompasses various sub-disciplines like cross-country, downhill, and everything in between. At its core, it’s about tackling challenging off-road trails. The energy required to navigate rocks, roots, and steep inclines can be immense. Long climbs and technical descents make it physically demanding, even for those who are otherwise fit.
Electric mountain bikes (eMTBs) have gained popularity because they enhance the off-road experience. They combine the thrill of traditional mountain biking with electric assistance, allowing riders to conquer tough terrain with less effort. This makes it easier for both beginners and experienced riders to explore longer distances and new trails. EMTBs also appeal to a broader audience, including those with physical limitations, offering a more inclusive and enjoyable outdoor adventure.
Whether you're a purist or not, e-bikes provide an exciting ride. Long, difficult climbs become faster and more fun, while short rides can turn into extended adventures. The electric assist opens up new trail systems that would be impractical on a regular bike. Even if you prefer traditional bikes, an eMTB is a great tool for when you want more power without sacrificing the joy of the ride.
One of the biggest concerns for bike owners is theft. According to FBI data, around 190,000 bikes are reported stolen annually in the U.S., but the real number may be closer to 2 million. Less than 5% of stolen bikes are returned, and 80% of cyclists have had at least one bike stolen. Thieves often target unsecured bikes, and with the rise of battery-powered cutting tools, even strong locks aren't always enough. Velosurance offers coverage for properly secured bikes against theft, with no depreciation and no impact on other policies.
Crashes are common in mountain biking, especially for less experienced riders. With eMTBs, speeds can increase, making crashes more likely. Velosurance provides crash and accidental damage coverage, including up to $500 for replacement gear and $500 per loss for Spare Parts.
Transporting bikes via cars or flights can lead to damage. EMTBs are heavier, which can strain bike racks. Velosurance covers damage during transport, even if the bike doesn’t arrive at all. For international travel, optional worldwide coverage is available.
Injuries are a risk in mountain biking, and medical expenses can be high. Velosurance offers medical payments coverage to help with out-of-pocket costs after primary insurance has paid.
Racing, whether amateur or professional, comes with risks. Velosurance offers racing coverage, including reimbursement for rental bikes and race entry fees if your bike is lost or damaged.
Liability coverage is important, especially with e-bikes, as they face scrutiny from property managers and insurers due to fire risks. Velosurance offers liability coverage up to $300,000.
If riding an eMTB is part of your lifestyle, investing in specialized insurance is wise. Velosurance ensures your bike is protected, with full reimbursement on total loss and no impact on existing policies. It’s designed to cover every aspect of the cycling lifestyle.
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