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Married to Night Train
- Location
- Salford, UK
Not sure if this counts as kit and accessories, but here goes.
Due to a very tight budget for the last few years, none of my bikes are insured, and I don't have general contents insurance, because I rent, so have no household policy, and anyway, nothing I own apart from the bikes is very valuable in monetary terms - I had a student policy for a while, but it got pretty pricey, and anyway, bikes weren't included.
Anyway. Now I'm earning I'm wondering about bike insurance. Basically, is it worth it? What's the deal regarding new for old and so on. It's complicated a bit by the fact that none of my bikes are off the peg, so the values are tricky. The winter hack is completely made up of old bits. The Giant FCR I got secondhand. The Galaxy ditto, for £15. My old trike is probably not worth much, but I may be in with a chance of a new one at a reduced price in the next month or so. I suppose the Galaxy would be the most expensive to replace, if I bought a brand new one, although mine is probably 20 years old, so it's barely the same bike as a new one.
I guess I've been lucky until now, one bike stolen in 10 years, and that had more sentimental value than monetary. But I do wonder what if, and then there's the risk of accident damage.
Any advice on good companies, what sort of deals are worth the money and so on? Two of the bikes always live up here in the flat, one downstairs in the lobby, locked to itself, inside the communal Yale front door, and the trike in a lockup across town.
Due to a very tight budget for the last few years, none of my bikes are insured, and I don't have general contents insurance, because I rent, so have no household policy, and anyway, nothing I own apart from the bikes is very valuable in monetary terms - I had a student policy for a while, but it got pretty pricey, and anyway, bikes weren't included.
Anyway. Now I'm earning I'm wondering about bike insurance. Basically, is it worth it? What's the deal regarding new for old and so on. It's complicated a bit by the fact that none of my bikes are off the peg, so the values are tricky. The winter hack is completely made up of old bits. The Giant FCR I got secondhand. The Galaxy ditto, for £15. My old trike is probably not worth much, but I may be in with a chance of a new one at a reduced price in the next month or so. I suppose the Galaxy would be the most expensive to replace, if I bought a brand new one, although mine is probably 20 years old, so it's barely the same bike as a new one.
I guess I've been lucky until now, one bike stolen in 10 years, and that had more sentimental value than monetary. But I do wonder what if, and then there's the risk of accident damage.
Any advice on good companies, what sort of deals are worth the money and so on? Two of the bikes always live up here in the flat, one downstairs in the lobby, locked to itself, inside the communal Yale front door, and the trike in a lockup across town.
