Zip , NADA ,,,, $1500 lotus $2700 cinelli ,,, never get off them ,keep them insight.

No

My renters insurance covers the bikes with a $500 deductable. I could get a special rider for the bikes but it's a couple hundred $$ a year so I go with the renters. i'm happy i have it. Yes if my commuter get's stolen I'm SOL but if my road or tri bikes get ripped off i'm covered.

Negative

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_________________________________
I'll be what I am
A solitary man

yes...4.5k on my guru and 3k on my orbea, with a 25 dollar deductible.

i think it's like 300/year

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"Anyone can work hard when they want to; Champions do it when they don't."

Yes fully insured at home, race on car whatever $300 rider $100 decutable.

I feel much more comfortable racking at night with that piece of mind instead of banking on a rent a cop.

K

YES we have it. With 2 tri bikes, 1 road bike, and 2 mtn bikes I cant imagine life without it.

How much did the coverage cost? If your QR Ti bike is stolen, do you get the value of a new QR Ti bike or the depreciated value?

when i talked to my insurance company, they told me it's for whatever the value you have it insured for is.

ie...if you insured a 2k bike for 5k, they'd give you 5k.

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"Anyone can work hard when they want to; Champions do it when they don't."

Yes but only on bike we use a lot otherwise more than half the premium is for the bikes. We have a no fault no deductible, and it pays the amount for which we insure it

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__________________________________________________
Simple Simon
Where's the Fried Chicken??

Yes, keep some photos of your bikes too...just in case.


Another positive, I was once hit by a car and the bike broken...told Alstate that I wanted $10k for the bike...they laughed, I told them I have a $10k rider with State Farm and would turn it in to them...and they would get it from Alstate....Alstate wrote me a check as soon as I had proof of my policy. Guess they didnt want to fight with State Farm....

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What if the Hokey Pokey is what it is all about?

What did the coverage cost and what was the deductible?

Costs me $300 a year, all my bikes, $25k total...does NOT cover accidental damage in a race. $500 deductable.

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What if the Hokey Pokey is what it is all about?

And... if your Ultimate is stolen, how much do you get?

I ask these questions because I don't think people either read or understand their policies very well. Typically the coverage is not what you think it is and self-insuring is a better way to go.

And... if your Ultimate is stolen, how much do you get?[/reply]$10k...I asked that question over and over again. Stolen, or destroyed, but not during a race.

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What if the Hokey Pokey is what it is all about?

Our house insurance covers our hobby equipment - bikes, scuba diving equipment and cameras with a $500. deductible, but if we take this stuff traveling for a few bucks over the short term we can full coverage while away.

I thought that once too...so did my agent...the "adjusters" didnt agree. A buddy of mine is a claims adjuster for State Farm...he said ALWAYS put a "rider" on your gear. At least put the fact you have a VERY costly bike on your policy statement.

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What if the Hokey Pokey is what it is all about?

see above



(7.5k total, 300cdn, 25 dollar deductible)

assuming i'm not riding it.

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"Anyone can work hard when they want to; Champions do it when they don't."

"I thought that once too...so did my agent...the "adjusters" didnt agree. A buddy of mine is a claims adjuster for State Farm...he said ALWAYS put a "rider" on your gear. At least put the fact you have a VERY costly bike on your policy statement."

Record, methinks you might be correct. Somebody else mentioned this to me. I'll contact my agent on Monday.

20 bucks a month for the whole apartment and full replacement value on all property

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36 kona qualifiers 2006-'23 - 3 Kona Podiums - 4 OA IM AG wins - 5 IM AG wins - 18 70.3 AG wins
I ka nana no a 'ike -- by observing, one learns | Kulia i ka nu'u -- strive for excellence
Garmin Glycogen Use App | Garmin Fat Use App

Kevin -

What was the name of your insurance company?

I just tried to get full coverage on my bike (theft and crash), based on an estimated value of 7.5K, and me longstanding insurance company quoted me $800 per year. Ouch.

I need a better deal or it doesn't make sense. The theft issue is covered by the personal property section of my homeowner's policy, but with a carbon frame, I'm more concerned about the wreck. Seen 3 this week alone. One last night where the brand new carbon bike was wasted - bikes don't fare well against cars!

My mountain bike is insured as part of my homeowner's policy (don't own a road or tri bike...I only do off-road tris). It got stolen earlier this year and my insurance company paid full retail replacement cost, less the $500 deductible. That ended up being over $5000, which was more than I paid for the bike in the first place.

I just tried to get full coverage on my bike (theft and crash), based on an estimated value of 7.5K, and me longstanding insurance company quoted me $800 per year. Ouch.

Get it with your home owners policy.

I'm more concerned about the wreck. Seen 3 this week alone. One last night where the brand new carbon bike was wasted - bikes don't fare well against cars!

TITANIUM BABY!!!!! Nothin's betta. :-)

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36 kona qualifiers 2006-'23 - 3 Kona Podiums - 4 OA IM AG wins - 5 IM AG wins - 18 70.3 AG wins
I ka nana no a 'ike -- by observing, one learns | Kulia i ka nu'u -- strive for excellence
Garmin Glycogen Use App | Garmin Fat Use App