What about in the case of a crash (assuming it is my fault). Is there any
insurance that would cover that?
Thanks,
Clayton Scott
SF CA
On Tue, Dec 15, 2009 at 11:04 AM, Seth Vidal <skvi...@gmail.com> wrote:
> On Tue, Dec 15, 2009 at 2:01 PM, CycloFiend <cyclofi...@earthlink.net>
> wrote:
> > on 12/15/09 10:11 AM, Seth Vidal at skvi...@gmail.com wrote:
> >
> >> Does anyone know of an insurance company that offers insurance for
> >> bikes stolen when you're out in the world? Theoretically my
> >> homeowner's policy would cover it but I really don't want to test that
> >> and not know. So I'm curious - can anyone think of a company that
> >> explicitly offers bike-theft insurance?
> >
> > Renter's/homeowner's should cover it. There may be limits on the policy
> > payouts, and pay attention to an specific-item exclusions or limits. But,
> if
> > you have documented replacement values, it's hard for them to argue
> > otherwise.
> >
> > A call to your agent (if you have one) or to the company might help. I'd
> > verbally give them a general list of items ("computers, jewelry, hi-fi,
> > electronics, oh, and bicycles, a couple of musical instruments...") to
> > confirm nothing is excluded or needs a specific additional coverage
> rider.
> >
>
> I specifically asked:
>
> I go to a coffee shop. I ride my bike there. I lock my bike up
> outside. It gets nicked. What happens?
>
> He said - $500 deductible and the rest is covered for replacement value.
>
> thanks for the suggestion,
> -sv
>
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