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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 each day.
We deal with a whole bunch 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 state of affairs, that’s precisely when your insurance coverage actually earns its preserve. While you’ve simply crashed your satisfaction and pleasure, or your race bike vanishes from a resort bike room the evening earlier than your occasion, having the proper cowl abruptly 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 injury: Body fracture
You don’t must be racing to interrupt your bike.
A easy clip of wheels on a bunch journey, a missed line on a descent, or perhaps a low-speed crash can lead to a cracked carbon body or a snapped high tube. We’ve seen it occur on first rides, greatest bikes, and every little thing in between. It’d be honest to say that is most likely one of many foremost causes individuals take out a Yellow Jersey Coverage.
Pothole carnage: wheel injury
Hitting a hidden pothole at pace is among the most typical 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 normally put holes in your tyres. Oh the fun!
Damaged mechs and hangers
It looks like the times of the ‘tender steel’ replaceable mech hangers are behind us, and also you could be asking your self why? Properly, 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 do you have to 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 among the most uncovered and susceptible components on the bike sadly, they don’t usually fare properly after they meet tarmac.
Theft away from dwelling
It doesn’t matter how cautious you might be, if a thief sees a possibility 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 right lock is crucial. For more information on locks, take a look at our weblog on lock your bike.
Airline injury
We’ve all seen the horror movies on-line of bikes being thrown round, so that you most likely knew this one would make the record. We’ve seen crushed dropouts, bent disc rotors, cracked forks, and equipment cables ripped out after flights. Annoyingly, most of this injury may have been averted had a tough bike field been used. Simply bear in mind, our biking journey insurance coverage doesn’t cowl your bicycles when travelling, so ensure you take out bicycle insurance coverage!
Undecided about what bike packing containers we cowl? Try our bike field information right here!
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