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Bicycle insurance = long bicycle life

Nowadays, it has been seen that more and more people prefer to travel using bicycles instead of other transportation modes. People have begun to realize the benefits to environment and health that come from traveling via bike. The industry has noticed the trend and are manufacturing bikes with better utility and looks. The newly launched bikes come equipped with additional features like bottle holders, baskets, shock absorbers, rack and fender mounts, and lots more. Such bikes are better in features and hence higher in price.

Without protecting a bike, one cannot expect to use it for decades to come. There can come a time when it may get stolen or damaged to such an extent that it is unsealable . Bicycle insurance protects the owner from such critical situations and renders long lasting life to the bicycle. The bike is one of the most economical means of transportation. Unlike motor vehicles, one is not required to set a monthly budget for using it. A bike can be used as much as one desires. In fact the more it is used, the better it is for the health of its owner. It has been proven that bicycles can combat obesity, arthritis, joint pain, heart disease, diabetes, lethargy and many other ailments. A person who rides bike for at least thirty minutes daily is likely to have a clean medical bill. Thus one must be aware that losing a bike straight away means losing good health.

There are thousands of online and offline insurance companies which can help one to prevent this situation. Such companies offer numerous bike insurance plans in order to protect the bicycle against all possible odds. To help zero in on the best possible plan, the agents of the company are equipped to help. Protect Your Bubble Insurance is getting very popular these days and is a reliable option to go with when looking for easy and affordable bicycle insurance for your beloved bicycle.

The warranty that comes along with a new bike protects it against manufacturing defects but not theft and losses. Moreover the manufacturer warranty lasts only for one or two years, after which a bike is exposed to all possible threats. An insurance policy protects the bike for longer time thereby ensuring it a long life. Once a bike is protected with an insurance plan, the owner need not have to worry about it in any manner. It can be parked and used the way one wants.

Getting the bike insured does not means that one can misuse it the way one desires. Instead it means that some of the most difficult responsibilities towards the protection of the bike are now undertaken by the insurance company. The owner still requires playing the basic role of protecting it.
enjoy life, ride bicycles
A bicycle insurance plan protects the bike from almost all possible potential threats. It protects against losses, thefts, damages etc. However different insurance covers have different intensities of protection. The higher the price of the policy, the better features in that plan. It is advisable for one to choose an average price policy only. An average price policy consists of the important features which are normally covered by high priced as well as low priced insurance policies. It is advisable to read the fine print before signing up any insurance policy, regardless of price.

Bike commuting infographic from the UK

Here’s one from our friends at Express Solicitors, a UK-based law firm. It’s geared toward someone “on the fence” about starting to bike commute:

Getting to and from work is always a topic is in the news. Not only are there various options, there’s also debates over which is the best way to do it. While the majority of people will probably stick with their cars and swear blind that they’re superior, the cycling scene is actually gaining continuous popularity. According to Express Solicitors’ new infographic, since 2003 over three quarters of a million more people in the UK have decide to get out their bikes and cycle their way to work. That is a dramatic and impressive increase in people altering their normal routine for an apparently faster, healthier and cheaper way to work.

Cyclists vs. Motorists: The Wheel Truth - Express Solicitors

Although the health benefits are widely known by many, there are numerous other reasons for people to opt for a bike instead of their car. For example, the costs of travelling using this mode of transport are a lot cheaper in comparison. Not only do you save on the cost of the commute, but you also save on the cost of owning and using your car in general – you could roughly save up to $1350 (£900) per year. Moreover, if you decided to get rid of the car completely and just rely on your bike, you could save a further $8950 (£6,000) per year! In such times of financial struggle, those numbers really can’t be easily ignored.

The infographic also makes a point of reinforcing just how helpful cycling to work is in regards to the environment and your carbon footprint. The example used to really set it into perspective is a daily bike ride: a daily ride that adds up to over 12 miles worth of travel could save nearly “one stone” of pollution. This is a very surprising amount when you consider just how much green topics are discussed and addressed on a daily basis. Moreover, there is arguably no doubt that knowing you’re helping look after the planet is a wonderful feeling every time you travel to and from work.

There are so many more benefits if you choose a bike over your car for work, so why not take a look at the infographic for even more powerful and surprising percentages to help give you that added boost for dusting off your bicycle.

Tools like this may just help undecided would-be commuters to give that bicycle a try. What do you think?

Guest Article: So you hit the ground. What next?

Editor’s note: the following piece was written by Jay Paul, founder of the cyclist-oriented insurance firm Balance for Cyclists. Balance for Cyclists is one of our advertising partners. Don’t let that scare you off; there’s a lot of good step-by-step instruction within in the event you or someone you know is involved in a bicycle crash.

Bicycling is usually a very safe activity. However, as cyclists we are all keenly aware that an accident can happen at almost any time. Most cycling accidents result in injuries like road rash, a bloody chin or a minor laceration. The more serious accidents require immediate medical attention and perhaps a hospital stay.

So what is a cyclist to do if they are involved in an accident or with a fellow rider who happens to become a victim of inertia and gravity?

The internet is full of law firms soliciting advice on what to do if you are involved in a collision with a motor vehicle. Most end with a polite solicitation for the injured cyclist to call them for legal advice. Now I certainly don’t fault a personal injury attorney for making a living and cyclists need to know their rights after a serious accident. However, it is estimated that less than 30% of serious cycling accidents involve a motor vehicle. The rest are either rider error, equipment failure or the result of some other road hazard.

Riders need to be aware of what to do regardless of the cause of the accident. Below are some thoughts.

1. Take all necessary steps to protect and stabilize the injured cyclist. Make certain that the injured person is not in additional harms’ way. If the accident involves a head or neck injury do not move the rider but do place barriers up the road or trail that will slow traffic.
2. Call emergency personnel. Both the Police and EMT if necessary.
3. Even if the injury is minor, consider getting medical attention. All too often immediately after an accident the injured cyclist is in shock and not aware of the extent of their injuries. Too many injured riders just want to get back on their bike and start peddling as if nothing has happened.
4. Make certain that if police are involved that they take the statement not just from the motorist but from the cyclist as well.
5. If a vehicle is involved obtain driver information from the motorist. This includes: name, address & contact information of driver, make, model & serial number of car, determine the vehicle owner, insurance information of vehicle.
6. Regardless of whether a vehicle is involved get statements from any witnesses that happened to see the accident. (More on this later)
7. Get photographs of the accident scene and preserve evidence. Many if not most of us carry cell phones with cameras while riding. Get a lot of pictures from different angles. Take note of weather and road conditions.
8. If a vehicle is involved, never negotiate with the driver.
9. Certain accidents that don’t involve a motor vehicle could still be compensable. Equipment failure, errant pedestrians or road hazards are such examples. Make certain if at all possible to get photographs of the site where the accident occurred and of the bike itself. (This is also where a witness statement could prove beneficial.)
10. Here is the plug for personal injury attorneys. Never attempt to negotiate with the “at fault parties” insurance company. Get a good attorney to represent your interests. Most major cities have at least one attorney who has created a cyclist specialty practice. They are usually cyclists themselves. Many of these same firms have apps online that you can download to your phone that outline what to do in the event of an accident.

One last bit of advice. Consider getting First Aid certified and, if a mountain biker, consider getting certified in Wilderness First Aid. Having the confidence to make a quick decision immediately after an accident could save a friend’s life. These classes can help give you that confidence.

Finally, follow the rules of the road and be aware of your surroundings. That means take out one of your earbuds!

Green Tuesday: Well, almost

If I can finish this post in 45 minutes or less, then technically it will still meet the deadline to legitimately be “Tuesday,” well at least here in Arizona.

I went to Nashville, Tenn., this past weekend and just got back home this evening. And while there is nothing “green” about flying across the country, allow me to share part of the weekend festivities.

My best bud and old college roommate, Will, met me in Nashville since I haven’t seen him since last September. I wanted to show him around Nashville, particularly downtown, so we decided to cruise the streets on our bikes. It was a great way to see the city at our own pace, enjoy the cold Tennessee air, and not have to set foot in a car.

Downtown Nashville is not a particularly large area, but there are tons of venues for live music. Nashville is proclaimed to be the country music capitol of the World, after all. The city is steeped in music culture, especially country and bluegrass. We stopped at the Gruhn guitar shop, which serves as THE go-to place for many of country music’s and Nashville’s finest musicians. The next time you are in need of a $15,000 Gibson banjo, check out Gruhn.

The city has lots of these guitars placed all over, but this is the only one we were able to find.

We climbed the steps of the State Capitol building and got a pretty sweet view of the downtown area.

The Ryman Auditorium is one of the top music venues in the country, especially for country music. The Temptations and the Four Tops are playing there soon apparently…

I love bluegrass music, which is popular in Nashville, but have never been a big fan of country. However, the feel of a downtown environment that is rich with the community of music is a really cool thing – you can hang out downtown any day of the week and hear free music from some really talented people just playing on the street.

For the observant ones amongst you, you might notice that Will was riding a Specialized Langster London. These bikes have been quite rejected by the cycling community because of their big-brand capitalization of a more independent style. In my eyes, if it gets someone on a bike and out of their car, then that is green enough for me.

So just because you are traveling doesn’t mean you have to stay out of the saddle. I was fortunate enough to stay with someone that had a bike I could ride – but many Local Bike Shops will rent out bikes for your touring pleasures. In larger cities, you can also find bike touring companies that will rent bikes for your touring pleasures. The car is not the only way…

If only…

I love the question: if you could do anything for a living and money were not an option, what would you do?

When I finished college and was looking for a job, I took any interview I could get. There were a few interviews that quickly revealed to me that this was NOT the job for me. During one, I realized I did not want the job within the first 5 minutes – and then they asked me what I saw myself doing in 5 years.

I chuckled a little, smiled, and said: “hopefully owning a bike shop on the beach somewhere.” The lady didn’t quite know how to react. She seemed surprised by my frankness, and then tried to salvage her end of the interview by stating how that showed an entrepreneurial spirit within me, something her company valued. How nice.

While I would love to own a bike shop on the beach, I have developed an appreciation for the fine art of bike making.

If I could make a living doing anything, I would like to build bikes. More specifically, I would love to be able to build the quality of bikes that Sacha at Vanilla Bicycles crafts. I recently learned about this hand-made boutique bike shop out of Portland, and I am enamored by his art – and his work truly is art.

The detail and quality is astonishing, as evidenced by:

the lugs:

the dropouts:

and the classy branding (just to name a few):

So if you build bikes and want an apprentice, let me know. Most likely I will give some lame excuse about why I cannot give up everything to pursue my ultimate dream, but hey, it’s America.