Originally Posted by
I-Like-To-Bike
My understanding of insurance rates is that they are based on actuarial tables derived from mountains of data, not wishful thinking, anecdotes, magazine articles nor heady theories.
When getting life insurance, are they asking (and verifying) how much you're riding your bike daily? Those mountains of data are only useful if they know where in that mountain you fall. They're not collecting this sort of information about their subscribers, and I can see why a lot of cyclists wish they would, because the health benefits of routine cycling are proven by those mountains of data.