I had a small tumble with mainly cosmetic (scratches) damage to seat, STI, Derailler and clothing(tears). Cyclesure sent an assessor and replaced everything without question (R 6,500 damage). I also received after hour support on the evening just before Argus so I am extremely impressed with the service so far. I also get full coverage during races (including personal liability) and practice so be careful to check the limit of the insurance coverage as most exclude races.