Jono Waddell Posted August 14, 2013 Share I have mine insured under all risks of my household policy. Checked, the policy wording and it makes no reference to cover being excluded for races. Link to comment Share on other sites More sharing options...
bradwentzel Posted August 14, 2013 Share New insurance products hitting the market soon.Watch this space Garfield2010 1 Link to comment Share on other sites More sharing options...
Garfield2010 Posted August 14, 2013 Share I have a theory If you insure 2 bikes it should be cheaper.... I mean if I have 1 bike it is easy to steal. Have you ever tried to move 2 bikes locked together let alone 3?? Link to comment Share on other sites More sharing options...
Greg29 Posted August 14, 2013 Share Greg29, I would check that fine print with your broker , Ive actually been in a Meeting with my Broker this morning and all 3 of my bikes (TT,Mtn and Road) are also covered under ALL risk (which includes theft (from home,race, off rack or where ever), Hijack, Accidents in training). However on most insurances (pretty much all except bike specific insurance co's) Accidents in an Official race sitiuation (as the Op said) are NOT covered at all. So if you crash in Training you are fine, but if its on day7 of Epic or any other race you are NOT covered for repairs or replacement Thanks, I'll double check the fine print about being in a race. But I'm pretty sure I'm covered on everything, I specically asked if theft, transport damage and riding damage were all covered and they said yes. I only have a MTB - maybe that's why it's covered?????? I'm with AON btw. Edited August 14, 2013 by Greg29 Link to comment Share on other sites More sharing options...
flat29 Posted August 14, 2013 Share i am with icycle R250 for 2 bikes Link to comment Share on other sites More sharing options...
Garfield2010 Posted August 14, 2013 Share i am with icycle R250 for 2 bikes For how much is each bike insured? I am assuming its a MTB and Road Bike? Link to comment Share on other sites More sharing options...
flat29 Posted August 14, 2013 Share For how much is each bike insured? I am assuming its a MTB and Road Bike? No, 1 momsen al329 R14000 1 Spez stumjumper R30 000 Garfield2010 1 Link to comment Share on other sites More sharing options...
Butterbean Posted August 14, 2013 Share I'm with I cycle as well. Sean has been great so far. Covered my bike at 18k,wheels @ 12k, bryton 35 @ 3k, and lights at 1200. Pay 220 per month and that includes liability of over 1mil and the bikes are covered in pretty much every situation.. Racing, training, in car, out of car, on bike rack, not locked, all is covered. About to make my first claim for wheels, claim went in today, so I'll give feedback based on the response! Hold thumbs for me guys! Link to comment Share on other sites More sharing options...
Captain Fastbastard Mayhem Posted August 14, 2013 Share In Bloem some people also cycle on the N1 (nie die verby pad nie let wel - eers as jy verby maselspoort gaan oppad tol hek toe) so some insurers have apparently refrained from paying claims due to "illegal" cycling practices. Wonder what life cover will do in the same circumstances... PS:- Keep that "eccentric" fellow away from this thread plz Nothing... They'll pay out. Link to comment Share on other sites More sharing options...
Pusher Posted August 14, 2013 Share Just make a 100% sure of that. I got conflicting feedback regarding this. Some brokers say no one covers a road bike in racing events. Others say the LBS now does insurance.Just had confirmation. Insured for any race in SA. Require prior notification when racing outside SA. Garfield2010 1 Link to comment Share on other sites More sharing options...
Dicky DQ Posted August 14, 2013 Share Ok so I decided to take my bikes off insurance. 3 x bikes (Road/TT/MTB) Each cost R150 so that's R450 per month and this does not cover them during a race. If they get stolen at home (or from a house) they are still insured. So I need to take care in terms of when I drive somewhere. Lets hope nothing happens (as the last 13 years went past uneventfully) Problem is I never really use more than one bike at a time. Sounds silly but I mean in winter I only use the MTB so I pay a big premium for the other bikes I never use. In summer I only use my TT bike and then maybe ride one or two races with my RB. So why pay the premium for the road bike when I only race with it (and it is not covered in any case). I am opening a savings account and will deposit R400 per month into this as a bicycle fund account. If only I started doing this 13 years ago..... Don't jinx me please.Look carefully, I think your bike needs to be specified even for theft from home or they will not cover it.... I think, nay I am quite sure. Edited August 14, 2013 by Dick slowpoke 1 Link to comment Share on other sites More sharing options...
Surv0MTB Posted August 14, 2013 Share Ive got my car and household insurance with MiWay. My MTB, insured under All Risk policy and at R23.5k, costs about R120 bucks a month. The other premiums are decent as well. Bike is covered pretty much everywhere, havent been able to extract reasons why they wont be able to acknowledge a claim. Link to comment Share on other sites More sharing options...
Skylark Posted August 14, 2013 Share Look carefully, I think your bike needs to be specified even for theft from home or they will not cover it.... I think, nay I am quite sure. Used to be that way now most insurers cover everything and anything if its stolen from home and no need to specify the items, apart from jewelry and expensive watches. Link to comment Share on other sites More sharing options...
hayleyearth Posted August 15, 2013 Share Link to comment Share on other sites More sharing options...
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