Is Mountain Bike Insurance Worth It

Velosurance is a national bicycle insurance agency founded by two cyclists in response to the insurance needs of bicycle riders nationwide. Electric bikes are quickly gaining speed as a way of commuting and since the introduction of electric mountain bikes they re now sought after for leisure purposes too. However as with any insurance policy check your details to be sure.

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Mountain biking can take a toll on your kit so you ll want to keep it protected.

Is mountain bike insurance worth it. However e bikes don t come cheap so it s worth making sure your bike is insured should the worst happen. Make sure to attach your bike to something that can t be moved or lifted as your bike is only as secure as the thing you attach it to. Mountain bikes can be very expensive with top of the range models costing up to 10 000. Getting mountain bike insurance quotes for the policy you want is a fast way to find the best deal.

There are a number of discounts that you can earn from the insurance company ranging from taking an approved safety course to carrying anti theft protection to wearing the right gear for riding a mountain bike to reduce injury. Well i had an accident with my bike and that is why there was no video last week. Just because the special coverage is included in the policy doesn t mean a stolen or damaged bike might not fall victim to the homeowners policy restrictions like exclusions on coverage while competing or other. Lock your bike properly in the safest location.

It s worth pointing out that few of these policies will cover you for liability in canada or the usa but this is the case across most of the specialist bicycle insurance providers. With our insurance we can help with the cost of repairs to your bike and while yours is out of action. We partnered with an a m best a rated us insurance company to provide a multi risk policy offering protection to all types of cyclists. So you need to check the cover limit which is the maximum amount you can claim if your bike is damaged or stolen.

For example a mesh fence only needs a small pair of wire cutters to get through. Here is my experience with my mountain bike insurance claim and basically how it all went down. My homeowners insurance company wrote special coverage sometimes referred to as an insurance rider for the value of my bike so i don t need a stand alone policy. Make sure your policy can replace your bike.

We can even hire a replacement bike for you. This is where you might think bike insurance could come in handy but with a long list of exclusions and the chance you re already covered for some events under current insurance it s best to do your homework to make sure it s worth it.