Originally Posted by
redoak
I looked into it thoroughly and was quoted roughly the same prices you were quoted. I finally said to heck with it all. If my Super Six gets damage from my negligence I will spend the $250 to $350 to get the frame repaired. Think about it, in a crash the most commonly damaged item is the frame. Sure the wheels might take a hit, but not as likely as the frame. So quit worrying about all the other components. Besides, the policy isn't going to replace a scuffed / scraped; saddle, shifter, pedal, derailleur because the damage would only be cosmetic.
Really ? In my experience, the frame is least likely to be damaged. Front wheel, shifters, pedals, rear derailleur, and handlebars get the worst of it. I've been in a few too many race crashes, and I T-boned a car. I can't remember any frame damage. Of course it happens, but I think it's relatively rare as a percentage of crashes with damage.