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Advice About Bicycle Insurance By
I thought that I needed to insure my bicycle against theft. I’ve heard that bikes get stolen every day in my city and I want bicycle insurance to cover my investment. I am very careful about locking my bike up every time I get off of it. I use a really nice U-Lock and wear the key on a chain around my neck. I found out that one of my friends was dating an insurance salesman and contacted him with my questions.
I asked him about bicycle insurance and he said that my homeowners or renters insurance policy would cover my bicycle if it was stolen. He said that there were a lot of limitations and exclusions, though. He said that my bike would probably have to be stolen from my home to be fully insured.
I was thinking that if I had bicycle insurance and my bike was stolen, insurance money would buy me a new one. That turned out to be untrue. The agent I talked to told me that if my bike was covered, I would be reimbursed for the value
of a new model, less depreciation for every year old my bicycle was. I’m thinking that, depending on the rate of depreciation, I may end up owing money if my old bike was stolen!
The agent I talked to told me that I had to maintain good records for bicycle insurance. He told me to take a photo inventory of my possessions and to keep receipts. He also said that any time I am making a claim against an insurance policy for theft; I need to have a police report attached to the form. It is also very important to be accurate when declaring the value of the property stolen.
Here are some more bicycles articles...
Recumbent Bicycles: Faster And More Relaxing
By
Many bike speed records have been broken by recumbent bikes. Recumbent bicycles were banned from international racing in the year 1934 and they haven’t seen widespread use until during the 20th Read more...
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Performance Bicycles: What Is Performance?
By
In order to talk about performance bicycles, we should define the term. We all know what bicycle means, but what about performance? I think that many people tend to define the word performance as Read more...
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Folding Bicycles
By
The folder or folding bicycle is a kind of bike that has several joints and / or hinges that can be unlocked in order to fold the bike into a compact size and shape. The folding typically involves Read more...
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I Love Exercise Bicycles
By
I love exercise bicycles. I have been using one every day for the last ten years. I currently have four exercise bicycles in my house and use the three that work all the time. I have found that Read more...
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- Yoga Poses for Triathletes
Here are some good poses for any athlete to do before extreme training. - Why does the Water Look Uphill?
On a whim and a prayer, Thomas Welsh decided to race in a triathlon with just 32 days to train. This very unorthodox approach to triathlon racing is chronicled here in ?Pushing Yourself to the Limit,? an online triathlon soap opera of the first order. - Do you have Runner's Kick?
Have no fear, there are things you can do. Even the worst of kickers can develop an adequate kick for freestyle, which is all you need for a triathlon swim. Here are some remedies: - Afraid of Road Bikes?
The bike is not your problem, your skills are. You need to work on cornering. - The Power of One
There is a marvelous destiny out there waiting for you too, but only if you are willing to take chances and put yourself on the line.
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A bicycle, or bike, is a pedal-driven land vehicle with two wheels attached to a frame, one behind the other. First introduced in 19th-century Europe, it evolved quickly into its current design. With over one billion in the world today, bicycles provide the principal means of transportation in many regions and a popular form of recreation in others.
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- Mountain bikers arrive for first guided holidays of the season
After a monster day yesterday, the mountain bikers were still surprisingly up for some more punishment. I thought that by going to the Animal Park and then maybe Nose Breaker it would give him the option of bailing out if they were too battered. A tough road climb later, all with the rather nice view that you see here, and it was lunch. After lunch and a rather fine lesson in Alpine descending he decided they weren't done for the day so off it was to the beast of a fire road to nose breaker. A rather tired Jean-Marc got to the top of the climb and readied himself for the descent. A good job the old boy had some body armour on, he luckily didn't reinforce the name of the trail but after his riding, it could be renamed, 'rolling around in stingers not knowing why you fell off trail', but it doesn't quite roll off the tongue though!
Cake and coke soon revitalised him back at the chalet, that combined with a sauna had him looking forward to the next mountain bike ride on Thursday. - Mountain bike holiday fun in the week of the exploding bike tyres
The start of week two started off with a big bang. Well three in fact, Robins Stans No Tube set up was giving him some problems after the plane journey so he slapped a couple of tubes into his wheels instead. Bang one was before we left the chalet, his tyre exploding, showering him with latex sealant, nice. Fifteen minutes into the ride and it was the turn of bang two, leaving his inner tube in shreads. That fixed ten seconds later and his other tyre blew off the rim, nearly giving one of the local OAPs a heart attack! Deciding to bail at this point, Robin and Leighann went home and contemplate the complex structures of air retaining structures.
Steve, Simon, John and myself continued on the valley ride with the Brevent extension, a cheeky little loop that adds... (Continued on the website). - The big bike trails come out to battle the freeride boys
It was the return of the freeriding boys this week minus the freeride bikes and body armour, so normal mountain bikers then. With only three days of proper riding with work was calling them all back on Thursday it was time to get the big guns out.
The Possette, Miage and Trient were all on the cards as all of the guys wanted to ride some trails that they hadn't before. Half of us went up the front climb of Le Tour and the other far less foolish members went up in the bubble car. Bright red faces and complaints of sickness and dehydration at the top only goes to show that granny ring climbs on loose fire roads in 100 degree heat is not a good thing to inflict upon ones body. Salt sachets consumed and it was off to the Possette. After a brief lunch stop the superb descent was soon lapped up, with Jerry and Carl taking especially impressive trail detours! ... (Continued on the website). - Ryan makes a splash on his mountain bike
A welcome return to the hard riding and hard drinking posse of Liam, Len, Jez, Bo and John with guest star Ryan from the Lakes. A pretty heavy night down at the MBC upon arrival was all that was needed to start the first ride off on Sunday. Heavy heads soon cleared as the top of the Col du Possette made itself known taking the best way to travel, the bubble from Le Tour. A heavy duty first time descent for John and Bo who had not been out before awaited amongst the roots and switchbacks of just about everybodys favourite trail, The Possette.
Suitably impressed with everyones descending prowess it was time to inflict a little Alpine pain into everyones legs with a trip top see the Miage Glacier the following day. Ryan even though he had been training in the hilliest of hilly places, ... (Continued on the website). - Road Bike Tour Du Mont Blanc
I must say I was pretty surprised that myself and a select few were to do the first road bike Tour du Mont Blanc. Mountain biking has always been "The" sport for me, but slowly and surely I had gotten into the whole road bike thang and the prospect of riding the TMB in three rather than five days was all of the encouragement I needed to get it organised. With fresh shaved legs and jersey pockets full of gels, me, Nick, Stevie and Andy set off from Chamonix to the first col of the trip the Montet. An easy few hundred metres of climbing later and the col was in the bag and with Switzerland beckoning and the ridiculously fast descent down to Martigny very much on our minds, we flew up the Col de Forclaz to our first refueling stop.
The descent to Martigny was an absolute blast, braking hard into the bends and then sprinting back out of them was pretty close to the thrill of riding some choice singletrack. I know there will be some people that would disagree but
fast push bikes + two inches of rubber on the ground + mental French and Swiss drivers = a pretty exhilarating ride.
Next up it was the steep... (Continued on the website).
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