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Do you have insurance & what kind?

Old 04-22-16, 04:57 PM
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sb88
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Do you have insurance & what kind?

Hi,

Interested to know what sort of insurance / protection / cover people have for themselves and their bikes, especially with regards to accidents with cars and also 'bad luck' accidents (e.g. crashing due to having to avoid a pothole suddenly at high speed) where the bike is damaged / written off.

Mainly interested in the state of play in the UK, but welcome response from elsewhere too.

In the UK (where I am) I know people register with the CTC as it gives them free legal advice for accidents caused by yourself or others, but I don't know many people with insurance to replace bikes which are written off in accidents.

I once had insurance on a bike for theft, but that was quite cheap given I kept it in my bedroom!


Cheers!
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Old 04-22-16, 05:13 PM
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Other than bike independent medical, I have no insurance on my bikes/cycling activities. I subscribe to the standard of only insure for what you can't afford to lose. And take reasonable care to avoid the loss.
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Old 04-22-16, 05:18 PM
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Originally Posted by sb88 View Post
Interested to know what sort of insurance / protection / cover people ........ where the bike is damaged / written off.
In the ole days... we used the term self-insured. I rarely hear that term now-a-days. Basically... it isn't practical to insure everything. It is a better investment for me to cover some level of my own risk... myself. What level of risk is acceptable would certainly vary greatly.

In my case the bicycles I purchase would have a replacement value (used bike value) of only a few hundred dollars. Many of the items I own... would have a similar risk and replacement cost. It would be a better deal in my case to just hang on to that money... than dole it out (over and over again) for several over-priced replacement insurance policies.
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Old 04-24-16, 12:36 PM
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Originally Posted by Dave Cutter View Post
In the ole days... we used the term self-insured. I rarely hear that term now-a-days. Basically... it isn't practical to insure everything. It is a better investment for me to cover some level of my own risk... myself. What level of risk is acceptable would certainly vary greatly.

In my case the bicycles I purchase would have a replacement value (used bike value) of only a few hundred dollars. Many of the items I own... would have a similar risk and replacement cost. It would be a better deal in my case to just hang on to that money... than dole it out (over and over again) for several over-priced replacement insurance policies.

I think I agree with this. My bikes would also have a replacement value of only a few hundred dollars (UK pounds) too although because they're mostly composed of canny eBay buys making them worth possibly more than I spent on them, replacing them would be more painstaking than a straight replacement.

Does anyone know how easy / hard it is to get a decent insurance valuation for a bike like that - I imagine a knowledgeable LBS could do a written valuation, though the only thing I've seen my current one doing is a quote after an accident, for the value of a written off bike - this was an old bike (Carlton, lugged steel if I remember correctly), based on an estimation of what it could have sold for if it hadn't been crashed, which was about 250.

I am increasingly inclined towards having fewer bikes, making them better within my budget, and saving money to repair/replace them if/when needed. I find it's easily to accumulate more bikes, either because there's something about another bike you like, or out of a sort of fear of 'what happens if bike A breaks/gets stolen' and not wanting to get attached to a bike. But all this means is you end up acquiring bikes I like less for 'rough and tumble' - commuting duties, etc, and the nice ones get ridden less often.

Given that commuting is 75% of my riding, I have come to realise that this is perverse! Hence why I've begun to start riding the nicer one(s) to work, get rid of the 'beaters' / half-assembled frame sets sitting around the cellar, and begin to save the money I previously spent acquiring 90s frames and parts in a 'bike fund' for replacing/repairing when the inevitable happens. However this change in approach has led me to consider insurance/cover of some kind given that I would be a damn sight more upset if the nicer bikes were written off in a commuting accident. (Most likely round here is a front end buckle due to severe pot-holes. My local council recently 'eradicated' our pot hole problem by re-defining the definition of what constitutes a pot-hole...
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Old 04-24-16, 12:45 PM
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Originally Posted by sb88 View Post
Hi,

Interested to know what sort of insurance / protection / cover people have for themselves and their bikes, especially with regards to accidents with cars and also 'bad luck' accidents (e.g. crashing due to having to avoid a pothole suddenly at high speed) where the bike is damaged / written off.

Mainly interested in the state of play in the UK, but welcome response from elsewhere too.

In the UK (where I am) I know people register with the CTC as it gives them free legal advice for accidents caused by yourself or others, but I don't know many people with insurance to replace bikes which are written off in accidents.

I once had insurance on a bike for theft, but that was quite cheap given I kept it in my bedroom!


Cheers!
I've bookmarked this thread as I am also in the UK and am looking at insuring one of my bikes. I have had a brief look on the internet and some of the insurance quotes are as little as 8 per month. I need to read the fine print though but from what I have read, they cover legal costs in case of an accident, vandalism, theft, medical expenses etc etc but the bike must be no older than 3 years, and you need a gold rated lock

my bike is brand new and I am keeping all the receipts for the extras that I have been buying.
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Old 04-24-16, 01:12 PM
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I'm in California, US, so probably quite different insurance situation than the UK. Have medical insurance for whatever personal medical issue I may have regardless of whether it's on the bike or not. Also increased the amount of my 'uninsured/underinsured' coverage I have on my automobile policy since that is also supposed to help if I'm hit on my bike by an uninsured motorist or a hit&run. My homeowners insurance covers liability I might have for damage/injury I do to others while riding and could also cover theft of the bike - but my deductible is greater than the value of any of my bikes so I wouldn't have a claim. Regarding the danger of damage due to road hazards mentioned above I know that locally cyclists have been reimbursed by the applicable town/county for wheels that were destroyed due to the poor road conditions - I'd expect frame damage to be covered as well.

Last edited by prathmann; 04-24-16 at 01:17 PM.
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Old 04-24-16, 01:26 PM
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Originally Posted by dim View Post
but the bike must be no older than 3 years
Was this the case for all of the insurance companies you looked at? All of my bikes have parts older than 3 years, and the most valuable one is a mix of parts from 1988 onwards! This is why I'm interested in the possibility of getting a valuation done by a bike shop.

Originally Posted by dim View Post
and you need a gold rated lock
Goes without saying I guess - I think I've heard that the lock should be less than a certain age too (2 years maybe?)
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Old 04-24-16, 01:35 PM
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Originally Posted by prathmann View Post
I'm in California, US, so probably quite different insurance situation than the UK. Have medical insurance for whatever personal medical issue I may have regardless of whether it's on the bike or not.
You can say that again! Thanks to our NHS I have faith that I will be treated free of charge for any accidents/injuries, though doctors have become noticeably less willing to prescribe treatment for non-life threatening conditions due to budget cuts. (E.g. physiotherapy after a bike accident!). I injured my knee (hyperextended) when tripping when running 3 years ago and have only just been able to convince the doctor of the need for a scan, whereas 8 years ago, I got an MRI scan for shin splint pain on first request. (Different government, pre-crash).
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Old 04-24-16, 01:37 PM
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Originally Posted by prathmann View Post
Regarding the danger of damage due to road hazards mentioned above I know that locally cyclists have been reimbursed by the applicable town/county.
I have heard this in the UK too, but only when the pot hole has been previously reported and not then acted on by the council. When there are dozens in a 100 yard stretch of road, this becomes impracticable!

In am sympathetic to our council (and many in the North of England) as there simply isn't the money and there are more pressing things to spend it on, but the situation makes the issue of insurance more salient.
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Old 04-24-16, 01:41 PM
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Originally Posted by sb88 View Post
Was this the case for all of the insurance companies you looked at? All of my bikes have parts older than 3 years, and the most valuable one is a mix of parts from 1988 onwards! This is why I'm interested in the possibility of getting a valuation done by a bike shop.

Goes without saying I guess - I think I've heard that the lock should be less than a certain age too (2 years maybe?)
here is the links that I had a brief look at:

http://www.cycleplan.co.uk/summary

https://www.moneysupermarket.com/hom...cle-insurance/

my bike is brand new and I'm adding extras (Surly Long Haul Trucker) .... when I have bought all the extras I will insure it and read the fine print

Last edited by dim; 04-24-16 at 01:45 PM.
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Old 04-24-16, 05:38 PM
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Originally Posted by sb88 View Post
I am increasingly inclined towards having fewer bikes, making them better within my budget, and saving money to repair/replace them if/when needed. I find it's easily to accumulate more bikes,............... But all this means is you end up acquiring bikes I like less for 'rough and tumble' - commuting duties, etc, and the nice ones get ridden less often.
This is my third season for my daily rider... I bought it new in 2014. My previous daily rider (a 2010) is now my rain/winter bike. I have other bikes too. I like to take on a winter project bike or two bought cheap at the end of the season. Then I clean and repair/restore the project bikes for resale in the spring.

I will never get rich fixing and restoring the bikes I select. Sometimes I keep a project bike for awhile. Some I've given away to someone who needed a bike but had no funds. In 2014.... I sold 3 project bikes and bought my current Trek daily rider.

You may want to consider using your bike building/repairing skills to finance a taste in newer bikes.
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Old 04-24-16, 07:54 PM
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Stay away from stand alone bike insurance plans, they're expensive and don't buy you anything more than what you can get through your homeowners or renters insurance.

Your homeowners policy will cover your bike for everything they cover your other contents for, even if you're on a trip and your bike gets heisted. The only thing your homeowners won't cover is crashes but you can get a bicycle floater or a sports equipment floater (make sure bikes are covered, most do) and the floater will cover you no matter what happens, accident at fault or not, you accidently dropped it off a cliff, etc. The only thing that stand alone policies cover that you can't get through the homeowners is a crash during a sanctioned race.

Personally I believe the house wins most of the time, the house being the insurance company, so I don't have a floater and gamble on the fact that I won't accidently drop my bike over a cliff, or crash my bike, and if I do it will be the other persons fault and they'll pay. I also don't buy floaters for the same reasons, I'm willing take that risk. Plus if you figure the premium cost of a stand alone policy and multiply it out by 20 years (assuming you get a bike stolen every 20 years, which I never had happen) you could have bought a new bike for the cost of the premiums.
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Old 04-24-16, 08:24 PM
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Originally Posted by sb88 View Post
Hi,

Interested to know what sort of insurance / protection / cover people have for themselves and their bikes, especially with regards to accidents with cars and also 'bad luck' accidents (e.g. crashing due to having to avoid a pothole suddenly at high speed) where the bike is damaged / written off.
I have uninsured motorist coverage on my car insurance and umbrella policy which extends it to $1M.

I have health insurance to get me decent medical care regardless of whether some one else gets me (some doctors don't want to deal with non-payment from people without health insurance) or I crash on my own.

My bike is covered for theft on my home owners policy which includes an inexpensive replacement value rider so if that happens I get a lot more than the depreciated value.

I'll take care of it myself if I crash - replacing anything breakable costs less than just a few years' coverage.
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Old 04-25-16, 07:52 AM
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I do most of my riding with a bike club I started four years ago. We purchase coverage for all club members that basically provides excellent secondary medical coverage for injuries sustained during club rides. The policy seems to be sort of an umbrella policy under the auspices of the League of American Bicyclists.

Here's a link for more info: Insurance for Clubs and Organizations | League of American Bicyclists

We charge only $10 a year membership dues and that easily covers our annual insurance premium and league dues.
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Old 04-25-16, 08:00 AM
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Originally Posted by rekmeyata View Post
Your homeowners policy will cover your bike for everything they cover your other contents for, even if you're on a trip and your bike gets heisted. The only thing your homeowners won't cover is crashes but you can get a bicycle floater or a sports equipment floater (make sure bikes are covered, most do) and the floater will cover you no matter what happens, accident at fault or not, you accidently dropped it off a cliff, etc.
Interesting. How much extra does this cost you monthly and how much total coverage do you have with what deductible? Do you know if adding it to a renter's policy would be the same?
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Old 04-25-16, 08:17 AM
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Originally Posted by KD5NRH View Post
Interesting. How much extra does this cost you monthly and how much total coverage do you have with what deductible? Do you know if adding it to a renter's policy would be the same?
Depending on the insurance company and where you live of course but it use to be around $75 a year, I think I heard recently it's now around $90 a year, but call your agent to discuss what it will cover you for and how much. Floaters of any kind do NOT have deductable like your regular contents coverage has. And yes it can be added onto a renters policy.
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Old 04-25-16, 03:26 PM
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Originally Posted by rekmeyata View Post
Depending on the insurance company and where you live of course but it use to be around $75 a year, I think I heard recently it's now around $90 a year, but call your agent to discuss what it will cover you for and how much. Floaters of any kind do NOT have deductible like your regular contents coverage has. And yes it can be added onto a renters policy.
Which was a very good point to make. I have a PAF on wife's engagement and wedding rings...about $200/yr for an original appraised value of a bit under $20K. I may get one on my next new bike 'cause it will be expensive enough to otherwise cause paranoid me to haul around 10+ pounds of locks.
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Old 04-25-16, 07:27 PM
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Originally Posted by ltxi View Post
Which was a very good point to make. I have a PAF on wife's engagement and wedding rings...about $200/yr for an original appraised value of a bit under $20K. I may get one on my next new bike 'cause it will be expensive enough to otherwise cause paranoid me to haul around 10+ pounds of locks.
Do keep in mind if the bike is stolen, as with any insurance beit a dedicated bicycle policy or a bicycle lock insurance (which are completely 100% useless) you do have to have proof that the bike was locked properly. With a Krypto bike lock you have a lot of hoops to jump through, you have to register the lock by sending in the original barcode and original receipt, then when the bike gets stolen you have to send in the original packaging with barcode attached, and original receipt...huh? you sent that all to them when you first got the lock, but that's what their instructions say, then you have to have police report which most large cities will not take a police report on a stolen bike anymore, then you have to have detailed pictures taken at the same time of day the bike was stolen including pics to tell if it was well traveled by people, pics of object the lock and bike were connected to, the untouched lock, then you have to send in the lock along with a receipt for the purchase of bike and a paper about it's appraised worth that can't be older than a year from time of theft. All that means is that Krypto for years has paid virtually zero dollars in claims on a bike, though they did send some people new locks! Then after 1 year from purchase of lock you have to renew the insurance which cost money of course, then after the 2nd year of purchase of lock you have to buy a new lock in order to keep the useless insurance going.

Most insurance companies only require proof that the bike was locked and a police report but only if that city does reports on bikes otherwise they'll just skip that.

Any lock can be defeated, battery powered angle grinders have made it a snap to take any bike and take it quickly. Your best bet if you are going to be leaving the bike unattended in a public place is buy a $250 or so beater bike and use a $40 or so lock which won't weigh 10 pounds or so. If you must park a nice bike and leave it unattended use two different type of locks so the thief will have to use two different type of tools or take longer to cut two locks; then park it near nicer bikes with crappier locks then yours because the thief will take the easier target first.
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Old 04-26-16, 03:41 PM
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I have my bikes named in my house insurance policy for theft only. Is a requirement in Canada for any bicycle over 300$ if you want insurance. And also requires registration with local police. My e-bike though I have full coverage including running over jaywalkers etc.
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Old 04-26-16, 07:38 PM
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Originally Posted by blue192 View Post
I have my bikes named in my house insurance policy for theft only. Is a requirement in Canada for any bicycle over 300$ if you want insurance. And also requires registration with local police. My e-bike though I have full coverage including running over jaywalkers etc.
Even a bicycle is covered for running over a jaywalker IF you have homeowners or renters insurance because that event would be covered under liability.

Read this for more detailed explanation of what home/renters/auto insurance will cover you for while riding a bike: Making sense of the insurance coverage issues for cyclists | 303Cycling News
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Old 04-26-16, 07:47 PM
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Only covered if on your property, you need to tell insurance company that you want it insured off property as well. Maybe in usa this does not apply I am not sure of laws south of the border.
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Old 04-29-16, 04:20 PM
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Originally Posted by rekmeyata View Post
Depending on the insurance company and where you live of course but it use to be around $75 a year, I think I heard recently it's now around $90 a year, but call your agent to discuss what it will cover you for and how much. Floaters of any kind do NOT have deductable like your regular contents coverage has. And yes it can be added onto a renters policy.
That sounds like a good plan. Now I just need to see how much they'd argue on a full replacement value policy for the bike "as equipped." (Preferably phrased to include helmet, gloves, shoes, and other bike-specific items that aren't specifically "equipped" on the bike itself.) My 7100 in and of itself isn't likely worth enough to quickly replace it with a comparable bike, lights, panniers, rack, aftermarket saddle, etc. Maybe with a lot of luck on Craigslist, but I'd expect to need around $500 ($300-350 for a not-too-badly used hybrid or touring bike of the right size and the rest replacing accessories and getting maintenance up to date) to get right back to commuting and utility riding with the same level of comfort and safety I have now. If I can't do that for $10-15/mo, I might be better off just dropping $20/mo into a savings account and watching for a good deal on a spare bike once there's enough in the account, then equipping it as funds allow.

Essentially, the main draw of having a no-deductible policy would be that (assuming they're not too much of a PITA about a claim) I wouldn't be walking to work until I could save up a couple hundred to buy anything better than a WalMart BSO. That's less meaningful if I'm then having to spend $100-200 on accessories before I can ride safely.

Last edited by KD5NRH; 04-29-16 at 04:24 PM.
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