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What is there for You in Bicycle Insurance There is a substantial personal risk when one is involved in triathlon which is a multiple stage competition involving swimming, cycling, and running. Even just the mere us of a bike can involve you in slight to severe mishaps. We always want our tailor-made bikes protected from theft or accidental damage, but there are unexpected occurrences when this can happen without us being hurt. Hence, there are bike insurance specialists which help cover this valued possession that not every insurance company provides. A specialist to mean that they carry a flexible product which allows you to select from a range of coverage including a cover while traveling, when you are 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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They have a network of independent bike stores that hand repair and replacements which sell quality products if not similar to the product that you are using. If you want, you can include accessories, extra spare parts, and race fee in your coverage as additional elements. There is also such a thing as a spare bike covers which allow you to use a service bike while your bike is being repaired, painted, etc. In this cover you are allowed to use any bike especially if you need to practice or you just want to have fun. Insurers are seen by suppliers as their valued clients because of the sizable amount of policy holders, and this is why you also enjoy exclusive negotiated prices for labor and parts. This includes a multi-bike discount 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. But, a good insurance company can reimburse you a full amount from the time it was first value when you want to trade it for a new one. Personal accident insurance covers you with an outright pay out if you are killed in the accidents or are seriously injured while cycling on any bike. And if the accident has left you injured and you lose your earnings in the process, you can also get covered with a weekly plan which covers your lost earning while you are still trying to get well.