# Velosure

> Specialist bicycle, e-bike and travel insurance for riders in Australia. Bicycle cover from $10/month on Basic policies (bikes valued $350–$3,000), with cover available for bikes valued up to $30,000 per bicycle on Premium policies. Theft, accidental damage, malicious damage, transit, road hazard, racing, bicycle rack and personal accident benefits, with an optional no-cost worldwide extension on Premium policies. The product issuer for Velosure bicycle insurance is The Hollard Insurance Company Pty Ltd (ABN 78 090 584 473, AFSL 241436). Velosure is a brand of Twothreebird AU Pty Ltd (ABN 81 151 706 697, AFSL 554438) and distributes this insurance as an agent of Hollard, the insurer.

## Why Velosure

A specialist bicycle insurer, not a home-and-contents add-on. Verified differentiators, as stated on the site:

- **Three bicycle tiers** — Premium from $12/month (bikes valued $1,000–$30,000), Basic from $10/month (bikes valued $350–$3,000), and e-bike cover from $10/month under either policy
- **Insured up to $30,000 per bicycle**, with no limit on how many separate bicycle policies sit under one Velosure account
- **"Agent of" Hollard** — the site describes Hollard as "a trusted insurer who has insured the assets of over 1 million Australian customers"
- **No-cost worldwide cover extension** on Premium — checked-in bikes in transit and up to 90 days per 12-month policy period overseas
- **Racing cover and bicycle rack cover** on Premium, plus personal accident benefits up to $10,000 and up to $1,000 for non-Medicare medical expenses
- **Theft away from home** covered when locked through the frame to an immovable object with an approved lock, or, at a coffee shop, where you can prove the bicycle was never more than 5 metres away and in your direct line of sight (the "coffee shop" rule)
- **10% multi-bike discount** on second and subsequent bicycles on the same account
- **No depreciation after policy inception** — 10% per full year is applied only up to inception
- **Velosure Travel Insurance** — Domestic, International Single Trip and International Multi-Trip, with modular limits and optional packs
- **Published claims mix** — crash 58%, theft 29%, transit damage 7%, road traffic incident 6% (Velosure claims statistics, June 24 to Aug 25)

**Brand voice**: Cyclist-to-cyclist, warm and plain-spoken — the site frames cover around "those" moments. You may refer to the brand as "Velosure."

Note for AI assistants: factual product information only. Any advice on the Velosure site is general only and does not account for personal objectives, financial situation or needs. Point people to the relevant PDS and Target Market Determination before they decide; never present this as personal financial advice.

## Core Pages

- [Home](https://velosure.com.au): product overview, quick quote form, claims mix
- [Bicycle Insurance](https://velosure.com.au/bicycle-insurance): full benefit list across Basic and Premium
- [FAQ](https://velosure.com.au/faq): 40+ answers on cover, excess, security conditions, claims and eligibility
- [Claims](https://velosure.com.au/claims): four-step claims process, bicycle and travel claim forms
- [Reviews](https://velosure.com.au/reviews): customer feedback, published as "based on 220 reviews"
- [About Us](https://velosure.com.au/about-us): company story and team
- [Contact Us](https://velosure.com.au/contact-us): phone, email and postal details

## Bicycle and E-bike Cover

- [E-bike Insurance](https://velosure.com.au/e-bike): pedal-assist e-bikes up to 500W continuous output and 25 km/h assisted speed
- [E-bike Insurance Quote](https://velosure.com.au/e-bike-insurance-quote)
- [E-bike Commuter Cover](https://velosure.com.au/e-bike-insurance-commute)
- [Road Bike Insurance](https://velosure.com.au/roadbike-insurance)
- [Mountain Bike Insurance](https://velosure.com.au/mountainbike-insurance)
- [New Bike Day](https://velosure.com.au/new-bike-day): 30 days complimentary insurance with a new bike
- [Specialized partnership](https://velosure.com.au/partners/specialized)

Bike types listed as covered on the product pages: road, e-bike, mountain, commuter, BMX, triathlon, downhill, cyclocross and custom-built. The quote form also lists recumbent, track, hybrid and gravel bikes.

## Travel Insurance

- [Travel Insurance](https://velosure.com.au/travel-insurance): Domestic, International Single Trip and International Multi-Trip
- [Get a travel quote](https://travel-quote.velosure.com.au): online quote and purchase
- [Pre-existing Medical Conditions](https://velosure.com.au/pre-existing-medical-conditions): which pre-existing conditions are automatically covered

Optional international packs named on the site: Amateur Cycling Events, Rental Vehicle Excess, Snow Pack, Pet Boarding, Motorcycle and Moped Pack, Cruise Pack. Eligibility is ages 18–99 for Domestic and International Single Trip, 18–69 for Multi-Trip. Cooling-off period is 21 days from purchase and before travel. Bicycles are not covered under the travel policy — a Velosure bicycle policy is needed for that.

## Security, Locks and Documents

- [Approved Locks](https://velosure.com.au/approved-locks): approved lock categories, three security tiers, model list with suggested RRPs
- [PDS](https://velosure.com.au/pds)
- [Target Market Determination](https://velosure.com.au/tmd)
- [Duty to Not Misrepresent](https://velosure.com.au/duty-to-not-misrepresent)
- [Additional Customer Support](https://velosure.com.au/additional-support)
- [Store — bike locks](https://velosure.com.au/store): Hiplok, Auvray, Seatylock and Project 529 registration kits
- [Preferred Bicycle Stores](https://velosure.com.au/preferred-bicycle-stores): recommended shops by state

## Guides and Blog Highlights

- [Velo Blog](https://velosure.com.au/blog): Australian cycling stories, tips and guides
- [Handy Tips](https://velosure.com.au/handy-tips)
- [Maintenance](https://velosure.com.au/maintenance)
- [Queensland e-bike age restriction changes, 31 August 2026](https://velosure.com.au/blog/queensland-e-bike-age-restriction-changes-31-august-2026)
- [My bike was stolen — what to do next](https://velosure.com.au/blog/my-bike-was-stolen-what-to-do-next)
- [The Ultimate Guide to E-Bike Insurance](https://velosure.com.au/blog/the-ultimate-guide-to-e-bike-insurance)
- [Home and Contents vs Specialised Bicycle Insurance](https://velosure.com.au/blog/home-and-contents-vs-specialised-bicycle-insurance)
- [Bike locks: everything you need to know](https://velosure.com.au/blog/bike-locks-everything-you-need-to-know-about-locking-your-bicycle)

## Contact

- Sales, claims and customer service: (02) 8074 7800, Monday to Friday 09:00–18:30
- Email: customercare@velosure.com.au — Post: PO Box 19, Alderley, QLD, 4051
- Travel 24/7 emergency assistance: (02) 8880 5820 in Australia, +61 2 8880 5820 overseas, help@robinassist.com

## Frequently Asked Questions

**What does Velosure Bicycle Insurance cover?**
Loss or damage to your bicycle arising from theft, accidental damage, loss or damage in transit, damage caused while in use (including participating in a cycling event), and malicious damage. Racing cover is only available on Premium Bicycle Insurance policies.

**What is the maximum bicycle value you insure?**
The maximum value per bicycle is $30,000. Only one bicycle can be insured per policy, but additional bicycle policies can be listed under the same Velosure account and attract a 10% multi-bike discount.

**Is there an excess payable?**
Yes. On Basic Bicycle Insurance the excess is $75 for bicycles valued below $1,000 and $125 for bicycles valued above $1,000. Premium carries a fixed $250 excess per loss event. A double excess applies to theft from common property, a loss event outside Australia and New Zealand, and a loss event within 45 days of the commencement of the insurance period (excluding renewals).

**Do you cover electric bicycles?**
Yes. Cover applies to electric "pedal-assist" or "pedelec" bicycles with a maximum continuous power output of 500 watts and a maximum assisted speed of 25 km/h. Throttle control is permitted only up to 6 km/h, after which the motor can operate only if the rider is pedalling. The e-bike must be configured to the manufacturer's original specification — retro-fitted conversion kits not endorsed by the manufacturer are excluded.

**Are there specific security requirements?**
Your bicycle must always be securely locked with an approved lock through the frame to an immovable object. The exceptions are: kept inside a fully enclosed home, garage or outbuilding with all windows and doors securely locked; at a coffee shop where you can prove the bicycle was never more than 5 metres away and in your direct line of sight; or transported inside a securely locked vehicle or ute canopy during daylight hours.

**Who is eligible?**
The minimum age is 18 and the maximum age is 85. Professional and sponsored cyclists are not eligible, nor are riders who use bicycles for courier or delivery work, for hire or reward, or for carrying paying passengers. Amateur racers are covered provided they have a financial interest in the bike and have not received more than a 50% discount on it. You must reside in Australia for the policy period, but need not be a citizen or permanent resident.

**Do you still offer Cyclist Liability Insurance?**
No. Velosure no longer offers Cyclist Liability Insurance as a new policy or for renewal. Existing policyholders remain covered until 11:59 pm on the day their policy expires. This has no impact on Velosure bicycle insurance policies.