insure your bike for safe rides
More and more cycle routes for cycling enthusiasts are developing in Quebec. Whether it is to practice a competitive sport or to do a family activity, cycling is more and more popular. Whether you own a valuable bike or a used bike, it's important to protect it so you can get the most out of your rides.
Insure your bike: how to do it?
Usually, like all your other possessions, your bikes should be factored into your home insurance. Depending on your contract and your insurer, this insurance should cover your bike against fire and damage caused by transport, anywhere in the world.
If your bike is of great value, it is important to look at the options of the different insurers available to you. However, it is always possible to add a clause to your current residential contract to cover the full value of your equipment.
Accident while hiking: what is happening?
First of all, if a motorist is involved, the bodily injury caused to you will be compensated by the Société assurance automobile du Québec (SAAQ). On the other hand, if you hit a parked vehicle, another cyclist or a pedestrian and you are responsible, the civil liability clause of your home insurance will be of great help to you. In fact, the person who suffered the damage could claim a certain amount from you, so it is all the more important to be adequately protected. If you often use your bike on the roads, you might want to take out accident insurance.
Also, while home insurance covers a lot of property, it usually doesn't cover everyone who lives in your home. So, a civil liability for all is required at all times and especially in the event of an accident involving another person.
Stolen bike: am I protected?
Your home insurance normally covers the theft of your bikes and related accessories. For example, if you have a child seat or a rack for carrying luggage, they will be covered by your insurance. However, the deductible payable before receiving your compensation may be of equal or greater value than that of your bicycle. Thus, it is important to consider both values in order to make a thoughtful and beneficial decision.
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