Haven't toured, but want to. Checked with my insurance agent last week on insurance for our tandem and learned that bicycles are one of the most expensive items to insure, at $7 per $100 of coverage. That gets pretty pricey on a high end tandem! Now I'm thinking to just keep a good eye on it at all times! But maybe when ready to do the "big tour" someday, maybe then worth getting insurance only for the duration of the tour? One other limitation--my insurance company only will cover the bike (even at that high price) for USA, not foreign travel.