BobAjobb wrote:
Ok. So now a proper reply.
As far as the bike itself, whikst riding none, if I stick it ? none.
My British Triathlon Federation membership gives me 3rd party liability cover in case I take someone else out, and also provides legal assistance cover if some moron takes me out whilst riding (commutes and shopping rides all count within that 3rd party + legal protection insurance).
I've got my bikes insured for theft via the house contents insurance. They have to be either in the house/garage at home, or if out away from home then need to be locked with a 'sold secure gold' level lock, to an immovable object.
I had to declare any bike over about £1500 on the policy- but the policy would cover them (I don't have a mega pricey super bike for Tri - I'd guess the most costly to replace new-for-old would be my full susser mountain bike at about £4.5 to £5k, though I paid a whole lot less than that on a great deal)
I’ll bite on this thread as I just got a nice new bike...any reason to get insurance ? I haven’t homeowners coveting 50k of misc things but I’m sure taking on another 5k in coverage wouldn’t really break the bank. Is that enough or is bike insurance worth it ? I’ve seen quotes around $300 a year.
I likely won’t be traveling with my bike via plane. Too many horror stories I’ve seen from that