5 reasons to get insurance for your bike
Your insurance policy does not necessarily protect you and your bike. Before deciding that you don't need to insure your bike, here are a few things to consider if something happens to you.
5 reasons to get insurance for your bike
First: are you sure that your insurance covers your injuries and those of others resulting from a bicycle accident? Are you covered if your bike is stolen from somewhere other than your property? These are just a few of the many factors to consider, and they apply to the road pro as well as the amateur cyclist.
1. Bicycle locks are not a guarantee of safety.
Many forgo insuring their bikes by investing in a padlock instead. However, while this is a laudable security measure, one should not believe that a padlock is a surefire protection against theft.
If your bike is worth a lot of money, it could still be prey to thieves. Insurance won't protect you from theft, but you won't have to pay for a spare bike out of pocket.
2. Bike insurance will also protect you from property damage.
As all cyclists know, the unexpected happens in a fraction of a second. Although you are a model of virtue when it comes to safe cycling practices, it does not protect you from the stupidity of others, especially if it results in property damage.
At least you won't have to pay for someone else's mistake. Bike insurance will help you cover property damage.
3. Bicycles may not be covered by your owner's insurance.
This is because even if your insurance company has included special coverage for the value of your bike, your bike may not be fully protected due to exclusions or other limitations.
For adequate coverage in line with your personal cycling habits, avoid including your bike in other insurance packages. An insurance policy specially designed for your bicycle is the smartest and most secure solution.
4. Bike insurance will also cover parts, accessories and much more.
Depending on your choice, bike insurance will provide you with protection against much more than theft.
Coverage can expand to include spare parts, cycling gear and accessories, and more. Whether you're a weekend rider or on the road every day, you can at least have peace of mind knowing that your gear is under the protection of your insurance.
5. Ask the right questions to find the best insurance
If you are considering getting bike insurance, you'll find the option that's right for you by asking your insurance company the right questions. Here are some simple tips to do this:
Am I covered when I use my bicycle?
Am I covered when my bike is not at home?
Does this insurance cover personal injury and property damage?
Am I covered during a bicycle race or overseas?
Does this insurance cover damage as well as theft?
By taking the time to educate yourself and ask the insurance company the right questions, you'll be in a better position to find the insurance policy that's right for you. Remember that this will protect not only your bike, but yourself.
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