Advice About Bicycle Insurance
I thought that I needed to insure my against theft. I’ve heard that bikes get stolen every day in my city and I want 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 insurance and he said that my homeowners or renters insurance

Layering your clothing
There are times when multiple layers of clothing are a lot better then just having a single layer of clothing
A review of my Surly Long Haul Trucker touring bicycle
A review of my Surly Long Haul Trucker after a thirty-seven day bicycle tour around Lake Superior.
Does a wider saddle equal a better ride on a touring bicycle?
One upgrade I made to my touring bicycle prior to my last major tour was a wider Brook's B67 saddle. This page discusses the saddle and the difference it made for my touring experience.
Riding with the lights on
Does it make a difference running your head and tail lights constantly on a touring bicycle?
Is Stealth Camping dangerous?
Stealth camping is often suggested as something people might want to consider trying. Is it safe, legal, and ethical to stealth camp?
Is Ultralight camping gear required for a bicycle touring adventure?
Should bicycle touring cyclists replace all of their current camping gear with the ultralight camping equipment that's now available?
Why Stealth Camp?
What are some of the reasons that experienced bicycle tourists provide for stealth camping during a bicycle tour? This page discusses many of the main explainations


policy would cover my 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 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 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 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 bicycle articles...