Guide to the Best Bicycle Insurance There is a substantial personal risk when one is involved in triathlon which is a multiple stage competition involving swimming, cycling, and running. Even just the mere us of a bike can involve you in slight to severe mishaps. The thing is, we do our best to protect our tailor-made bikes from theft or accidental damage, but sometimes the unexpected occur without you being hurt. This is the reason why a bike insurance specialist is there to help cover this valued possession that not every household insurer provides. There are many types of coverage that these specialists offer you including a coverage while travelling, during competition, and when you are cycling for leisure. These coverage are flexible in a sense because you are allowed to manufacture your own brand or your own product to meet your needs as a cyclist whether you are traveling, competing, or in leisure.
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Bike insurance also allows accidental damage which is similar to ‘on damage car insurance’ in which you can charge parts, repair or replace units.
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They have a network of independent bike stores that hand repair and replacements which sell quality products if not similar to the product that you are using. Even accessories cover, extra spare parts and race fee covers can be included in your insurance coverage as additional elements when you want to include them. Another instance are spare bikes cover that allows you to use a service bike while your bike is being repaired, painted etc. This means that there will never be a period of a time when you do not have access to a bicycle, especially during times when you need to practice or just have fun. You can also enjoy exclusively negotiation prices for labor and parts since suppliers view insurers as their valued clients due to the sizable membership or policy holders. You can enjoy multi-bike discounts of up to fifteen percent. One other benefit with a good bicycle insurance company is that, most insurers will depreciate the value of your bicycle as it gets older, this means that after three years, the value of your bike will decrease of up to twenty percent. For a good insurance company, you get the full amount of your bike from the item it was first value when you want to trade it for a new one. There is also a personal accident insurance which gives you coverage for accidents, and they pay outrightly if you are killed in the accident or if you are seriously injured while cycling on any bike. You can also get covered with a weekly pay to cover your loss of earning while you are still recuperating.