Kixx

Riccardo is the best in the game. Will fight like a bitter einder for his clients

Totally agree. Bought from Grant a few times. Also Rook for bike racks. And Decathlon not bad for tents on a budget.

I think this about sums up the entire discussion - the point is, everyone has different circumstances and different approaches to how they perceive and manage their own personal risk. So there is no right or wrong answer to the OP's question. It also takes knowing oneself and being honest about our own quirks habits and forgetfulness. Personally I would hate having to switch cover on and off as I'd worry that Murphy says the one time I forget to switch it on is when the crash/theft/bad thing will happen. I have found a few good insurers who include all my home contents as all risks cover. This means I have cover including for my bicycles no matter where they are. This also extends to my camping equipment/laptops and all typically portable items that leave the home on a regular basis. I pay R727 per month for around a R1,000,000 of home contents value. I'd be happy to help fellow hubbers with their cover - just dm me,

That is correct - wear and tear is not accidental/unforeseen so is not insured.

Most efficient, and probably cheapest, is to add it to your house contents provided your home contents is valued around R750,000 or higher. A few insurers will include all your contents as if insured as all risks, including bicycles wherever they may be. Brilliant product. You can chat to me at kieren@phoenixrisk.co.za or Riccardo noted above

Fascinating read. Loved all the bikes. \'Dysfunctional family...\' ha ha that\'s spot on!

This is a bucket list item for sure

Having been in the industry for over 30 years, I agree with comments that insurance can be confusing and somewhat opaque at times. And having just transitioned into the role of insurance broker, naturally totally agree with those who recommend using one rather than going direct! But in all seriousness, that's always been my view, as generally with a broker you get personalized service and an outsiders objective opinion regarding the risks you carry, who can advise on your risk universe holistically. And going direct doesn't really save on premium as those insurers use the saving of broker commission to spend on advertising. But since this is a bike specific topic, always insure your bike for replacement as new value under the all risks section; keep photos of your bike and invoices ideally too; include the words ...xyz bicycle AND ALL ACCESSORIES when describing the item under all risks, not forgetting to include the value of such accessories in your calculated sum insured (this can cater for everything on your bike); ensure you have an unspecified all risks item with a high enough sum insured that is 4x higher that the max value of a single item, say your Garmin watch, which will cover your Fox clothing, helmet, noting that usually some items like cellphones are specifically excluded from unspecified all risks I.e., you need to insure them specifically. If you do the above you'll have cover in just about every scenario, home and away, theft or accidental damage etc. Just remember to check on rave specific cover as I've seen some insurers want to exclude or charge higher premium/excess. Generally better to include your bikes under home and car policy as most insurers like the spread of risk and will discount their stand-alone premiums accordingly.

Lol ya that's noted! (said the tortoise (with a very toight bank balance) to the hare). Thanks for the encouragement and fits my worldview too - in it for the long haul and for the love of the game.

There sure are quite a few new races popping up again although with 20-30 pax I'm using the term somewhat loosely for my concept. From what I can see, there is understandable concern about Covid exposure, and smaller events therefore are more appealing. You're on point about a lot of cyclists out there - my battle is how to find them and create awareness of my event, and this survey is just another step in that regard. Ideally looking for like-minded individuals for whom bike + camping + remote wild land + helping others who can't help themselves + family = fulfilled living. Passion is good yes. I've done many races in my time but until now, had absolutely no idea how hard it is to get something like this off the ground...

Thanks Copperhead will see how things go. Interesting point. I'm not set on Cederberg - it does tick some blocks in terms of not too far from CT, personal familiarity etc. I've also considered Grootvadersbos/Barrydale/Montagu region. For me, so long as it's on a bike + camping + relatively remote = happiness. Any ideas you have please do share!

Probably don't need to mention, if any of you are keen for this please dm me for more details

Import duties do apply and doubt it is worth the effort. There's a good exposition on this on Cycle Touring website www.cycletouring.co.za

Jaco it's always a trade off between price, convenience and intended purpose. It works for me. But then I'm not planning on racing and am ok with a bit of extra weight traded for a good night's sleep. Agree with others commenting on the length of most of these tents. At 1.86 my head and feet also brush either end of the tent but after a long day in the saddle it's never bothered me. I'd say don't over analyze if this is something new you embarking on. Just plan a trip and go. You're aways going to be learning something new on every trip.