but the point is if you have other insurance, you shouldn't be paying any premium. And if your other insurance isn't adequate, you need to improve that insurance.
It's akin to buying life insurance covering death from an airplane flight. Your surving spouse doesn't need more money if you die in a plane crash as oppossed to dying in a car crash.
If you have adequate health and disability insurance, you don't need a bike crash policy, and buying one at any cost is just wasted money.
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You could fall off a cliff and die.
You could get lost and die.
You could hit a tree and die.
OR YOU COULD STAY HOME AND FALL OFF THE COUCH AND DIE.