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What Does Bicycle Insurance Cover and What are the Benefits? If you join a triathlon event which is a three stage competition including swimming, cycling, and running, there is a substantial personal risk that it carries with it. Even so, your bike itself, when used is always associated with slight to severe mishaps. The thing is, we do our best to protect our tailor-made bikes from theft or accidental damage, but sometimes the unexpected occur without you being hurt. This is the reason why a bike insurance specialist is there to help cover this valued possession that not every household insurer provides. These specialists carry a flexible product which allows you to choose the coverage that you need including cover while travelling, competing, or when you are cycling for leisure. These coverage are flexible in a sense because you are allowed to manufacture your own brand or your own product to meet your needs as a cyclist whether you are traveling, competing, or in leisure.
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Bike insurance also allows accidental damage which is similar to ‘on damage car insurance’ in which you can charge parts, repair or replace units.
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Repairs and replacements are handled through their network of independent bike stores that sell quality products if not similar to the product that you are using. Even accessories cover, extra spare parts and race fee covers can be included in your insurance coverage as additional elements when you want to include them. When your bike is being repaired or worked on your can use a service bike under the spare bike cover. This means that there will never be a period of a time when you do not have access to a bicycle, especially during times when you need to practice or just have fun. You can also enjoy exclusively negotiation prices for labor and parts since suppliers view insurers as their valued clients due to the sizable membership or policy holders. You can enjoy multi-bike discounts of up to fifteen percent. Most insurance companies will depreciate the value of your bicycle as it gets older, and after three years the value of your bike decreases up to twenty percent. For a good insurance company, you get the full amount of your bike from the item it was first value when you want to trade it for a new one. There is also a personal accident insurance which gives you coverage for accidents, and they pay outrightly if you are killed in the accident or if you are seriously injured while cycling on any bike. You can get coverage for injuries for the accident and for your lost earnings through a weekly plan covering your lost earnings while you are still in the recuperating stage.