Riccardo

Hi Rude.I am an old school insurance person and whilst everything is changing to keep up with our hectic pace,such as call centers where you must have your policy number etc handy before you can talk to whoever,nothing beats old fashion service where one develops an association with a broker.That is not to say that you do not get brokers who have not messed up.I hope Dial Direct do not let you down.

Dont even attepmt to do this.TT frame geometry will kill you and the frame is wayyyyyyyyyyyyyyyyyy to stiff.

The reason I asked, is that I was rear ended (in a car) years ago, and was paid out with a cheque, by the other party. Before I had the chance to have the car repaired, I was rear ended again, and was paid out a second time. I did tell my broker (who was liaising with the other party, that the car was damaged before and he said it didn't matter. The train of thought, the way I got it, was: Whether the car was damaged or not, it would have been damaged once the second guy hit me anyway. I did not worry as I walked away with a R7000 payment for myself in 1997. I thought the same would happen in the "Pantani" situation. Even if the bike was broken or not, it shouldn't make a difference. Reason 1: If they stole a broken bike, they would definitely have stolen it if it was in perfect condition. Reason 2: The frame could have been repaired. Very technical and ineteresting Pocketbikes,but I am afraid to say that whilst u wrere trying to be honest,yr broker erred.In insurance it is all about suffering a direct financial loss.Following the second accident u did not suffer a financial loss and ,sorry to say,u were not entitled to that 2nd payment.U were already compensated following the 1st accident.I hope u understand what I am trying 2 say.

So they are writing on their own paper! Very interesting1 Are they doing it through some ART or cell captive type environment? Sorry I do not know the answer to that question.

Hi there.on their current personal policy you would have a problem if riding in a race and the bike was damaged,hence they have created a company called Cyclesure.

Hi Fandacious.A race is an organised event.You ridning against an aquantance does not fall into this category.You must however be careful as certain Insurers give no cover whilst in use,whether racing or training.

Hi Delgado.They are in fact now both an insurer and broker.They have obtained an insurance license.

Let me explain,I have been in the short term insurance industry for 25 years of which 20 years I was involved as an insurance assessor(for my sins).A race is a race,whether it is a fun ride or if you are riding as a registered cyclist.Most companies do not provide cover for bikes(ie sports equipment)whilst in use.So if u r using the bike and is is damaged there is no cover-period.Companies, other than specialist bike insurers,might give you cover whilst in use,if requested and if granted by the Insurer. Alexander Forbes was mentioned earlier,but they do NOT insure bikes on their own.They want supporting business,like your house contents and car,that is why they might be cheaper.However are they cheaper when viewing the overall package.The other aspect that u must take into account is that they are NOT specialist bicycle insurers and problems could be experienced with insuring with a company not specialising in the field of pedal cycles. Food for thought,"goed koop kan duur koop wees"

Have just checked your details out.Have met you before at your work place and cannot doubt for one bit what you said.

Awsome summary.I just recently purchased a Powertap unit and can see the advantages,particularly when having to do intervals.power reading is immediate,whereas heart rate would take time to reach designated intensity.I still prefer the power route,now that I have tried both,but it would seem that you are a person in the know and as such accept your opinion.

My last quote from Cyclesure was R165 pm for a total insured value of around R20' date='000, including all the usual liabilities etc. Importantly you are covered while training and racing.[/quote'] Pedalcare would charge R134.05 per month,same bases of cover.

Dit hang af van die waarde van die viets.

The cover offered by Cyclesure and Pedalcare is basically identical,save for the excess.If you are a regular claimant,then the better choice would be the company with the lower excess,but it is important to determine what the actual excess difference is,when compared to the premium.Cyclesure is a product developed by SA Eagle(now Zurich).Pedalcare is a product created by a person in the short term industry,who approached Santam as the Underwriter.The above information is factual.

IS THIS PRODUCT ANY GOOD?

I HOPE YOU HAVE INSURANCE

oddly enough no one seemed interested when i mentioned the sale.i think its true carbon cranks are like mag wheels on a car,just make it look good.its not like a set of wheels were you can coerce a person into buying something that they intially were not interested in purchasing.