That’s the phrase we hear time and time once more. Whether or not it’s a stolen bike, an sudden crash, or a race day catastrophe, most cyclists by no means think about they’ll be the one making a declare. However at our firm, we see the opposite facet of that story day by day.
We deal with lots of of bicycle-related claims a 12 months, from on a regular basis accidents to the downright unfortunate. And whereas nobody likes to consider the worst-case situation, that’s precisely when your insurance coverage actually earns its hold. If you’ve simply crashed your pleasure and pleasure, or your race bike vanishes from a lodge bike room the night time earlier than your occasion, having the best cowl immediately seems like the very best cash you ever spent.
On this weblog, we check out the commonest bicycle insurance coverage claims we cope with and the teachings you’ll be able to take from them. Whether or not you’re a seasoned racer, a weekend warrior, or simply commuting to work, it’s a reminder that the sudden can occur and that being coated isn’t simply sensible, it’s important.
Crash harm: Body fracture
You don’t must be racing to interrupt your bike.
A easy clip of wheels on a gaggle experience, a missed line on a descent, or perhaps a low-speed crash may end up in a cracked carbon body or a snapped high tube. We’ve seen it occur on first rides, greatest bikes, and all the pieces in between. It’d be honest to say that is in all probability one of many most important causes individuals take out a Yellow Jersey Coverage.
Pothole carnage: wheel harm
Hitting a hidden pothole at pace is likely one of the commonest causes of cracked carbon rims or pringled alloy rims. It’s particularly painful when it’s a race wheel or a brand new improve. The icing on the cake is that hitting sharp potholes will often put holes in your tyres. Oh the fun!
Damaged mechs and hangers
It looks as if the times of the ‘tender steel’ replaceable mech hangers are behind us, and also you might be asking your self why? Effectively, within the pursuit of crisp gear adjustments, it appears producers are making mech hangers more durable. Sure, the gear adjustments are good and also you’re much less more likely to have gear troubles after knocking the rear mech, however all to the detriment of the rear triangle must you be concerned in a crash. It’s not unusual for us to see snapped rear triangles with largely intact mech hangers. Nightmare.
Extra generally, together with shifters and pedals, your rear mech is likely one of the most uncovered and weak elements on the bike sadly, they don’t typically fare effectively once they meet tarmac.
Theft away from house
It doesn’t matter how cautious you might be, if a thief sees a chance to take your bike, they’ll.
We get loads of claims for thefts that occur exterior in broad daylight, even when bikes are locked up. That’s why securing your bike with the proper lock is crucial. For more information on locks, take a look at our weblog on lock your bike.
Airline harm
We’ve all seen the horror movies on-line of bikes being thrown round, so that you in all probability knew this one would make the listing. We’ve seen crushed dropouts, bent disc rotors, cracked forks, and kit cables ripped out after flights. Annoyingly, most of this harm might have been prevented had a tough bike field been used. Simply bear in mind, our biking journey insurance coverage doesn’t cowl your bicycles when travelling, so be sure to take out bicycle insurance coverage!
Unsure about what bike containers we cowl? Take a look at our bike field information right here!
