Comprehensive bicycle insurance corresponds to the most extensive coverage offered by bicycle insurance policies. Therefore, comprehensive bicycle insurance would be at the top of the range for these vehicles.
Although some companies offer different types of insurance, at different prices, in other cases, they will complete insurance policies with additional coverage that can add to the basic insurance.
What is and what is not covered by comprehensive bicycle insurance
In general, comprehensive bicycle insurance policies offer higher amounts for the basic coverage of civil liability and legal defense. In addition, they usually incorporate coverages such as:
- Accident coverages
- Roadside assistance coverage
- Medical and hospital care
What can a comprehensive bicycle insurance cover?
|Mechanical problems||Almost always|
|Roadside assistance||Almost always|
|Accident insurance abroad||Seldom|
|Liability insurance||Almost always|
When contracting this type of insurance, we must consider that not all offer the same coverage ranges. That means that, for example, we may find that the insurance does not cover:
- Mechanical assistance is limited to certain geographical areas (for example, not operative outside the USA).
- The medical coverages do not include transfers abroad or health care abroad.
- That the insurance does not include life or disability coverage.
What coverages does bicycle travel insurance offer?
Bicycle travel insurance is generally presented as an added coverage within bicycle insurance. We review what these are, what they offer, what they cost, and how we can contract these coverages.
The scope of a bicycle travel insurance policy may vary depending on the coverage chosen. Generally, these coverages include protection for:
- Medical assistance abroad (including transfers)
- Mechanical assistance
- Compensation for damage to the bicycle
- Location and rescue in case of an accident
These insurances may also include as an option theft coverage. Although these are coverages inserted within broader insurances, other coverages such as civil liability or legal defense are already included.
When to take out travel insurance for bicycles
The coverages offered by travel insurance for bicycles are especially necessary when the user travels away from his usual residence. He/she will then use this vehicle either for his/her displacement or as a leisure or sports vehicle at the destination.
What are the prices of travel insurance for bicycles?
As it is a coverage included within the bicycle insurance, except in very specific cases, the prices of these insurances correspond to the costs of the general bicycle insurances. We must consider that travel assistance coverages will not always be found within basic insurance policies.
A bicycle insurance policy that includes travel assistance can range from $40 to $130 per year, depending on the protection offered.
Bicycle Assistance insurance is a set of coverages for users of bicycles as transportation, leisure, or sports vehicle. There is a wide range of policies and coverages. Let’s discover the main features of bicycle assistance insurance.
What does Assistance Insurance consist of?
A bicycle assistance insurance represents a set of coverages associated with protecting bicycle users.
Although in some cases, it is possible to take out mechanical assistance insurance for bicycles independently, it is usually an added coverage.
This added coverage would create broader bicycle insurance that includes other types of coverage and protection tools for the insured bicycle user.
What coverages does a Bicycle assistance insurance offer?
The coverages of bicycle assistance insurance may vary depending on the proposal of each insurer. Generally, they will include at least the following protection tools:
- Civil Liability
- Medical assistance
- Mechanical assistance
- Legal defense
The most economical assistance insurances may offer only civil liability and legal defense coverage. The complete ones may include other additional coverages.