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Is it possible to get bike insurance(8 posts)

Is it possible to get bike insuranceRich_Racer
Nov 4, 2003 10:23 AM
that will replace a bike if I crash it either riding, or more precidely, in a race?

I hate this "if you can't afford to replace it, don't race it" thing - it makes cycling sound like an overly expensive, elitist sport, which I don't think it should be.

p.s. I know nothing about insurance!
Short of being sponsored nothing that will be as cost effective as....divve
Nov 4, 2003 10:31 AM
....a manufacturer with crash replacement. I think Trek has a good one for instance.
Very doubtfulNo_sprint
Nov 4, 2003 10:52 AM
The can't afford to replace it, don't race it thing is simply some good advice.

Around here you'll find a huge contingent of beat up old Dales, Treks, GTs, Fujis, etc. amongst the ranks. Many bikes we all consider to be *disposable*.

I've never heard of the type of insurance you're thinking of.
This will work.Zman
Nov 4, 2003 10:55 AM
When you crash you will in all likelyhood not destroy your bike, mere flesh wounds.

In the event of a destroyed bike you can make a claim against your insurance company. It might be a bad idea to mention that you were racing, just tell them that you had a bad accident (which is really the truth). It will cost you a claim and a deductible but it will get you a new bike. They will pay for the entire bike and may not even ask for the damaged bike. If they do, make a offer on the damaged bike, not all parts are ruined.

Z
yeplitespeedchick
Nov 4, 2003 11:06 AM
When one of the Litespeeds flew out of the back of the truck, homeowners insurance replaced it (after a $1000 deductible). They also sold us back the corpse for $100.

I worry, though, that if something else happens to one of the bikes, theft in particular, our homeowner's insurance may drop us. They turned the first claim over to an investigator because the 1st adjuster was flabergasted at what replacement cost was on a bicycle.
vandesselsportsJack9
Nov 4, 2003 11:37 AM
vandessel sports has a offer to ease the pain a little.

Send us your crashed frameset from any manufacturer and Van Dessel will replace it with a Campitello frame with integrated Alpha Q PRO fork and Cane Creek IS2 headset for $599.00 plus shipping. Subject to availability. Van Dessel reserves the right to terminate this offer at any time without notice. Preferred sizes or colors may not be available. Limit one per customer every six months.

http://www.vandesselsports.com/b_campitello.shtml
LOL! Every six months! I'd give it up if I was that bad. nmSpunout
Nov 4, 2003 12:39 PM
My Homeowners INS is paying for mine after the Deductable. nmTNRyder
Nov 4, 2003 6:39 PM