Importance of Bicycle Insurance for Cyclists Coverage Overview Once a cyclist acquires bicycle insurance, the policy is likely to provide compensation for bike sections that can be repaired, such the frame and wheels, along with the full cost for the bike if it's totaled after a crash. The insurance company can guide cyclists to trusted bike shops for a repair. In addition, protection for theft of the bike may be included. Policies even incorporate benefits that are similar to auto insurance like roadside assist and bike rentals. If an accident damages the cyclist's riding clothes, then a policy may cover the cost to replace them. Medical coverage for physical damage that others may receive during an accident is another feature of many bicycle insurance programs. Plan Options Bicycle insurance companies offer a variety of plans. Therefore, cyclists can select a policy based upon their needs. Options include programs with different deductible limits such as $100, $300 or $500. When cyclists choose insurance that protects them for physical damage to their bike, policies will typically insure the bike against collisions, vandalism and fire. About Bike Rental Compensation If a cyclist damages his or her bike during a competition, then the insurance policy may provide reimbursement for a rental. Therefore, racers can still compete to ensure that their many training hours are not wasted. Fee Reimbursements Bicycle insurance provides reimbursement for competition fees when the cyclist is unable to participate in an event. Most policies have compensation limits such as $500 for each competition and $1000 for the policy interval. Keep in mind that to qualify for a competition fee reimbursement, the bike damage must occur under conditions that the insurance company will cover. Bicycle Parts Protection A policy may protect bike owners for lost or damaged parts. The insurance company will usually have a protection limit. For example, it may cover up to $500 for each incident involving loss or damage with a total limit of $1000. About Liability Insurance Keep in mind that liability insurance will not cover injuries that the policyholder sustains during an accident, but it will cover people that they may hurt. Also, the program may protect the cyclist for property damage. For instance, if the insured rider runs into another cyclist or through a homeowner's fence, then the policy will provide financial protection. Injuries or Damage Caused By a Vehicle When cyclists share the road with motor vehicles, they may be involved in an auto accident. If the driver of the vehicle doesn't have insurance, then the cyclist's bicycle policy will provide financial coverage. The protection will likely feature incident limits such as $25,000 or $50,000, which will depend upon the bike owner's policy. About Roadside Assistance Roadside assistance offers many benefits. For instance, it will protect cyclists during bike failures like broken chains and flat tires. The feature will provide transportation for stranded riders. However, the program may contain a limit such as five incidents for each policy period. The Importance of Bicycle Insurance When cyclists protect themselves with bicycle insurance, they can ride worry-free as their policy will safeguard them against potential financial incidents. Furthermore, cyclists who purchase insurance are taking responsibility for the injuries and damage that their hobby may cause to others. Conclusion Bicycle insurance offers comprehensive coverage for bike owners as they will have protection against theft and damage. Policies protect cyclists financially by including liability coverage and competition fee reimbursement. Moreover, serious bike riders will appreciate the peace of mind that bike insurance provides. Velosurance is a national bicycle insurance agency founded by two cyclists in response to the insurance needs of bicycle riders nationwide. After more than 3 years of development we partnered with an A rated, US insurance company to introduce a multi risk policy offering protection to all types of cyclists.
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