How much do I insure my MTB for?

[Rolf Hansen]

I want to add my MTB to my insurance but I have no idea what it's value is.

Do they also have a book value guideline same as with motor vehicles and pay you out based on that value?

 

Details of the bike:

 

Cannondale Rush SL 26" - I believe it is a 2008 but I could be very wrong.

RockShox REBA Team fork with remote lockout.

Fox Float RP23 rear shock

Avid Juicy 7 brakes.

SRAM X-9 rear derailleur and shifters.

SRAM STYLO crank

Shimano Deore front derailleur
American Classic wheels (rims and hubs) with Maxxis Ardent front and Maxiss Crossmark II rear - tubeless.

Fabric seat.

 

Not sure how much of this is relevant when insuring a bicycle.

I know it is not a high value bicycle but I will be super miffed if someone relieves me of it.

 

 

[RobertWhitehead]

Your best bet is to get a quote for the replacement value at your local bike shop. If you want to keep the bike and just want to have some cash back if something happens to it then I would go for between R15k-R20k just to have something you can throw at the next bike. But if you want to have the exact same components and or quality then the LBS route would be best

[rorydewet]

agree with this

 

if you want generic cover start at about 20 k

 

if you want exact cover ask your local bike shop

 

 

Your best bet is to get a quote for the replacement value at your local bike shop. If you want to keep the bike and just want to have some cash back if something happens to it then I would go for between R15k-R20k just to have something you can throw at the next bike. But if you want to have the exact same components and or quality then the LBS route would be best

[Thomo]

Bicycles are/should be insured at replacement value.