How to find a cycle insurance that’s worthy of your trust?
Reports can be blinding, but even if you are ready to treat a report as half truth, you will find many documents that report the average occurrence of bicycle thefts at 3 per hour! Not surprisingly, it’s easy to remember at least one person from your social circle who has lost a bicycle at some point. Cycle accidents and thefts are too common, giving you a lot to worry about. Thankfully, you have the option of cycle insurance policies that cover you from the several problems that cycle accidents and damages can lead to. Having made up your mind about purchasing insurance for your bicycle, it’s now time that you learned some tips and tricks that can help you find the perfect cycle insurance product.
An insurance policy that extends to your bicycles?
The market for cycle insurance products is witnessing rapid innovation, and you might not be too far away from home insurance policies that also cover your bicycles and extend lots of benefits. Such an insurance policy can help policy holders enjoy less complexity and more peace of mind. Moreover, cycles are integral parts of the lives of all those who love them, much like their homes. In fact, the front porch or the backyard might look alien to a few unless they see their beloved bicycles safely parked there. So, extended home insurance covers certainly auger well for such passionate cycling enthusiasts. Watch out for the cycle insurance products that New Insurance for Cyclists has in plan, ready to be unleashed into the markets really soon.
Ask a lot of questions – When an agent throws marketing material at you, dodge all of it and pose some stern questions. If the cycle insurance company pitching a product to you is actually good, it will have the answers. Is the bike covered when it’s not at home? Does accidental damage cover include property damage? Is theft included in the coverage? What if you’re in a different country, riding the same bike? Your questions must be relevant to the kind of use you put your bicycle to. For instance, you might want to focus your questions upon the accidental coverage aspect more than overseas coverage unless you are a bicycle tourist who often visits foreign countries.
Ensure that your bicycle’s unique accessories are also covered
Whereas those super special and wide grip tires might be the flesh and bones of your bicycle for you, the insurance company might consider them beyond the realms of coverage under the policy. It is imperative that when you hunt for the right cycle insurance policy, every trivial detail about the bicycle and your using habits must be considered before you sign the plan agreement. Another important issue you need to be aware about is the reparability and the replacement of your bicycle parts. As a dedicated cyclist, you might not want to go ahead with a policy that wants you to get your damaged tires repaired instead of replaced! The perfect cycle insurance cover is not too far away from you; something special is on its way from YellowJersey.co.uk to set the cycle insurance market abuzz.
Here’s an article that caught our attention the other day. Having spent many a weekend bicycling in the city of New Orleans (N’awlins, or NOLA if you prefer) long before it was really safe to do so, I’ve been watching the city’s development of infrastructure with a keen eye. They’ve got some highlights to share, but also some real bummers going on:
New Orleans is a top 10 city for bike commuting, but also ranks in the top 5 for bicycle fatalities, according to a new report. The Alliance for Biking and Walking’s recently released Benchmark Report compiled data for 52 U.S. cities. The Crescent City jumped from 10th to 8th in the number of people who biked to work. According to a repackaging of the data by Vox.com, New Orleans ranked 5th in the number of bicycle fatalities over a two year period.
According to the report, 2.3 percent of cyclists in New Orleans commute to work.
Read the full article by visiting the NOLA Defender page.
Any NOLA commuters out there who might care to comment? Let’s hear it.
The National Bike Summit is in full swing up in Washington, D.C. We’ve got Mir on the case and are hoping for some detailed “insider reporting”. In the meantime, lots of good stuff is going on as part of the National Women’s Cycling Forum, including this discussion on building bike advocacy with some new angles:
The National Women’s Cycling Forum is like a day-long master class in how to infect women and communities with the bicycling bug. For the hundreds of professional advocates and rising-star activists in attendance, there is a ton of great advice and inspiration being offered up. In one session this morning, Cultivating the All Powerful Bike Lobby, we were introduced to several women on the front lines of community-based bike advocacy.
The session was moderated by Leah Shahum, the 13 year veteran leader of the 12,000 member San Francisco Bicycle Coalition. She knows a lot about the bike lobby and the power that can come with putting it to use.
Read the full article by visiting the Bike Portland page.
We’d love to hear from our readers — what are bike advocates doing right? What are we doing wrong? What sorts of techniques do you think we should focus on to take transportational cycling out of the “niche” and make it more acceptable to the mainstream? Please leave your comments below.
A few years ago, I penned a silly eulogy to a rear derailleur. One of my riding partners reminded me of that the other day when he forwarded the following article, written by the Mayor of London, Boris Johnson:
At first, I couldn’t believe it. No, I said when they told me of the death of my bike. Get away, I said; and then they made me look at the appalling wound, and it was only when I had run my fingers round the almost invisible injury that the news sank in. And then I felt like some relative coming to terms with the loss of a loved one.
Think of Alexander grieving for his favourite mount Bucephalus, or Wellington mourning the death of the great Copenhagen. After eight years of uncomplaining service, the venerable steed had charged his last. This was the bike that had taken me every day to distant parts of London, carried me into battle in two elections, heard my agony as I cursed up hills and listened in reassuring silence to my whispered rehearsals for the speech I would have to make when I arrived.
Read the rest of his eulogy by clicking here. I’ve got to say that Boris outdid me…his eulogy is eloquent and heartfelt. It’s worth a read!
I was more than a little alarmed to read the statistics for stolen bikes in San Francisco. In 2012, one bike was stolen every three hours. Over 4,000 bikes were stolen in that year alone. And of the bikes that were recovered (about 850), less than 17% of bikes found their way back home. So many lonely bikes and wheel-less bikers!
Thankfully a new and free bike registry — SAFE Bikes — aims to improve those numbers. According to a recent update from the SF Examiner, a San Francisco police advisory board and safe-streets advocates are launching the free registration program this month to help reunite bikers with stolen bikes. The SAFE Bikes program allows riders to register a bicycle’s serial number, make/model, and color into a secure database that’s connected to the police department. The owner will receive a unique and permanent ID tag to place on the frame. If a registered bike is ever stolen and recovered, SAFE will identify the bike and contact the owner.
A quick survey of some of my fellow San Francisco bike commuters (ok, a group of friends at a dinner party) reveals that not a-one has registered his or her bike. That goes for me, too. This particular group of riders use bikes as a main form of transportation around the city, and we’re not naive—we are well aware of the dangers, even of just leaving your beloved bike locked up in front of a bar while you run inside for a quick pint of Pliny the Younger.
When I asked my cycling cohorts why they had never registered their bikes, the most cited obstacles included “hassle,” “cost,” and the belief that registering a bike “wouldn’t make a difference.”
But I believe SAFE bikes will go a long way to overcome these registration issues. In fact, I’m leading the way––I’ve registered my bike. And it was easy!
Is your bike registered? If so, what program have you registered with? Does it provide you peace of mind?
Also, side note, SAFE has a great graphic showing the best method for locking up your bike. Check it out.