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Guide to the Best Bicycle Insurance If you join a triathlon event which is a three stage competition including swimming, cycling, and running, there is a substantial personal risk that it carries with it. Even so, your bike itself, when used is always associated with slight to severe mishaps. We always want our tailor-made bikes protected from theft or accidental damage, but there are unexpected occurrences when this can happen without us being hurt. Hence, there are bike insurance specialists which help cover this valued possession that not every insurance company 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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Accidental damage to bikes is similar to a car’s ‘on damage car insurance’ where you are allowed to charge parts, repair or replacement of new units in some cases.
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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. If you want, you can include accessories, extra spare parts, and race fee in your coverage as additional elements. There is also such a thing as a spare bike covers which allow you to use a service bike while your bike is being repaired, painted, etc. What this means is that you will have access to a bike especially during times when you need to practice or simply want to have fun. And because your insurer is viewed by suppliers as valued clients because they do have a sizable membership or policyholders, exclusively negotiated price for labor and parts are habitually enjoyed by you. 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. But, a good insurance company can reimburse you a full amount from the time it was first value when you want to trade it for a new one. Personal accident also covers you with an outright pay out if you are killed or seriously injured while cycling on any bicycle. You can get coverage for injuries for the accident and for your lost earnings through a weekly plan covering your lost earnings while you are still in the recuperating stage.