Originally Posted by
crhilton
Yea: Buy a bike you can afford to replace. Then you can self-insure.
Not aware of any crash insurance. I've heard of some companies offering theft insurance.
This.
Never insure against a risk you can afford to absorb.
And if you can't afford to absorb a loss of a bike you spent to great a percentage of your resources on a bike.
for the full lecture:
http://www.bikeforums.net/showthread...ight=insurance
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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.