Road Cycling

Anyone use Bikmo or Laka for bike insurance?

Might have picked up another bike recently, and I feel I’d be silly not to insure it, and the others.
I looked at Laka once but they tell me £37.00 - £45.77 for the monthly payments.

Probably about the same as it would be to buy the bike on finance.

its like paying for it twice, where I live the bike will never go missing from my apartment .

so someone would have to physically take it from me which seems highly unlikely.


if your locking a bike up outside, you should probably just buy a cheap bike that doesn't matter, other wise add it to your home insurance?
 
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Well, this is the reason I got mine insured... but I guess we just live in different types of area :(
My area has a really bad rep, as do a few of them I cycle past on cycleways, I don't think anyone up north is actively snatching bikes off people though.

Seen youths on stolen motorbikes etc on cyclepaths in the middle of nowhere, usually I pull to the side a bit to give them space and they always acknowledge me being polite as they pass.

I'm not a fighter but I dress a bit chavvy and I'm 6"2 so hopefully that puts people off trying.

Heard it's a thing in london, richmond park or somewhere, didn't some athlete lose a really expensive bike not too long ago?
 
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you should probably just buy a cheap bike that doesn't matter,

ummm I think perhaps you're on the wrong forum? :p

It's also about the accident damage too. It's not happened often, but I in some of our club rides, people have clashed wheels and gone down, with parts written off or badly damaged.

Don't quite get the 'paying for it twice' either. You insure you're home, and that's different from a mortgage/rent. As with your car.
 
I'm 6"2 so hopefully that puts people off trying.
Yeah, I'm not your typical cyclist build and might make them think to try an easier target, but still...
Heard it's a thing in london, richmond park or somewhere, didn't some athlete lose a really expensive bike not too long ago?
Yeah Richmond Park, Regents Park is big too, but also it happened literally less than a mile from me and there was a phase of it happening on a certain bridge that we sometimes take to get out into the countryside.
 
Anyone use Bikmo or Laka for bike insurance?

Might have picked up another bike recently, and I feel I’d be silly not to insure it, and the others.
I've signed up with https://www.velolife.co/ but i had 25% off that came with the bike for 1st year

some of my mates use Laka.
I just gor the insurance mostly for crashing and abroad travel .

my previous bike was coverd under household - Admiral can insure bike up to 5k
so I would consider that as contants insurance is much cheaper than bike insurance.
 
went out gravel/mud cycling to Essex yesterday.
had few close calls in mud, but managed not to fell off LOL
visited Hadleigh park , and conquered - in my time - Cardiac hill :D 185HRM on top lol
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Don't quite get the 'paying for it twice' either. You insure you're home, and that's different from a mortgage/rent. As with your car.

I guess it's like the above posted saying quotes of £45/mth, that's almost £600 a year which feels a high price for a bike costing maybe a few grand which most people can probably afford to replace without too much thought. Whereas with a house you're paying less to cover you from losing an asset worth hundreds of thousands of pounds.
 
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ummm I think perhaps you're on the wrong forum? :p

It's also about the accident damage too. It's not happened often, but I in some of our club rides, people have clashed wheels and gone down, with parts written off or badly damaged.

Don't quite get the 'paying for it twice' either. You insure you're home, and that's different from a mortgage/rent. As with your car.
yea well if your riding in club rides that's different and I'd presume it would be mandatory anyway as well as https://membership.britishcycling.org.uk/ membership.


Just seems like a waste of time from my viewpoint, I'd be better off sticking £45 a month towards a new bike
 
Decided to attempt the Cumbre Climb at dinner. On Strava routes it doesn't seem *that* horrible!

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Although at the same time, i know when my parents had a place up there some hire cars struggled to get up the hill!
 
Wussed out!

Got from Moraira to Teulada, my legs felt crap after only 140m of climbing and wussed out on a circular route home!


Will definitely get up there at some point before i leave! Need to build strength over anything. Cardio wise i'm fine but my legs struggle more.
 
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he also wanted darimo bars but they are riddiculosly expensive and too much for the saving...
and hard carbon saddle LOL - he said its not made for 70+miles routes haha
duraace cassette for them few grams of saving...
I think it weights 6.6kilo which is really good for SL7
hes waiting for stock of carbon rotors to be availible as well...
Crazy he's spent so much aftermarket to only get it to 6.6kg! Should have bought himself an Aethos! ;)

I'm probably going to have a nice windfall in a year or so. Enough that we can get a bigger house and hopefully some spare change to buy a bike.

What I'm debating, as it's pie in the sky stuff at this point, how difficult is it to build a bike up? Part of me thinks just buy an off the shelf bike with everything ready to go but the other part of me thinks well I have a perfectly fine set of Zipp 404 wheels that if I bought a complete bike, they'd be redundant.

I just don't know if I have the technical ability to actually build a bike up from parts. I certainly don't have the tools and space at the moment that's for sure!
You have the ability, but would question really if it is 'worth it'. Short answer unless you have some specific reason for building it up and can save £1000 from owing some components already, then you won't save anything. The tools alone will be several hundred quid. The time and 'hassle' spent learning and doing are only a cost saving if you are prepared to invest them and 'want to' (or already know).

In short, you don't save money by building, it will generally cost more than off the shelf if you factor in the time, even if you have all the tools.

Your Zipp 404 are a quality upgrade to most things you'll be looking at - but also consider with all the 'house stuff' then a few thousand quid is 'nothing'. Any kind of moving/building/house stuffs swallows money. Spending several thousand on your bike will have little impact to it. But if you do all the house stuff first you'll find it hard to find the money for a bike after...! ;)

A lot of bikes off the shelf, don't have great wheels. So, it could be a perfect match.
This.

I mean even using myself as an example - looking at SL7 Tarmac's going for the 'Expert' has prices around £4-5 rather than the 'Pro' at £6500+. Only real differences are wheels and carbon bars (yes not exactly as one is SRAM and the other Di2).

Bike fit this weekend. LBS has 52 and 54cm SL7's in stock (they're a chain) and will get whichever I want in to test ride. Fairly sure they'll want to sell me the one they have as won't comment on the colour as I asked for the specific one which isn't in stock on Specilized

Well the SL8 which I like, i think it's the one Andy recently acquired, is bang on £8000 whereas, assuming I priced it up correctly the parts come to £5400 (I don't think I actually need a £240 BB lol) obviously excluding the cost of my 404fcs. Plus the vanity side of me, which is the most important, prefers the look of the Zipp wheels compared to the fitted Roval ones.
Really? Not considering S-Works...
Frameset £3500
Groupset £1400
4iiii dual sided £600
Saddle £150
Bars £350

So easily £6000 before you consider the Roval Rapide CLII £1400 then things like BB, Tyres, tape...

Yes there's some savings if you're prepared to hunt around deals, have all the tools and spend time looking at alternative parts, but for the 'same bike' then getting it all built and complete for £6500 could be tough, probably cost you at least £7000 if you used someone else to build it and sourced all parts yourself and had a good relationship with said bike shop & builder! :)
 
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My back of a cigarette pack workings out were....

*Specialized Tarmac SL8 - £5800 with ck-HUB and One Piece handlebar* £5600w/o

Frameset - 3500
Handle bars - 350/475
Ultegra Di2 - 1500
Wires/battery - 100
BB - C-bear -120
Bartape - 27
-------------------------------------------
*Canyon Ultimate CFR - £6234*
Frameset - 4800
Groupset - 1314
BB - 120
--------------------------------------------
*Canyon Aeroad CFR - £5734*
Frameset 4300
Groupset - 1314
BB - 120
-----------------

Just copied stuff I had in a notepad document. I was basing it on keeping my 404fc's, saddle and assimoa pedals.

Truthfully, I'm not technically minded and I lack patience so buying it as a complete item is the far smarter move. But the price difference for building it using parts I already have is tempting on paper.
 
My back of a cigarette pack workings out were....

*Specialized Tarmac SL8 - £5800 with ck-HUB and One Piece handlebar* £5600w/o

Frameset - 3500
Handle bars - 350/475
Ultegra Di2 - 1500
Wires/battery - 100
BB - C-bear -120
Bartape - 27
-------------------------------------------
*Canyon Ultimate CFR - £6234*
Frameset - 4800
Groupset - 1314
BB - 120
--------------------------------------------
*Canyon Aeroad CFR - £5734*
Frameset 4300
Groupset - 1314
BB - 120
-----------------

Just copied stuff I had in a notepad document. I was basing it on keeping my 404fc's, saddle and assimoa pedals.

Truthfully, I'm not technically minded and I lack patience so buying it as a complete item is the far smarter move. But the price difference for building it using parts I already have is tempting on paper.

Worth pointing out that if there's a saving, then a LBS/mechanic is likely only going to cost £100 to build it up for you if you wanted a blend between buying parts but not building it yourself.
 
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Yeah, I rang around a few bike shops last year with regards to getting Di2 installed and the one place that said they could also said I could just buy parts and pay them to build the bike up
Which is probably the sensible option
 
Yeah, I rang around a few bike shops last year with regards to getting Di2 installed and the one place that said they could also said I could just buy parts and pay them to build the bike up
Which is probably the sensible option

Yeah, there's probably also various independent bike mechanics. You could probably find some which are incredibly highly rated.

For example this is the guy i got to check over my bike. Obviously not local to you, but is really well regarded locally

 
The biggest part that scares me when I watch people build bikes (love TraceVelo building cheap AliExpress bikes) is cutting the steerer tube. I'd 10000% measure once, cut once and cry :(

This is so far away into the future that really I shouldn't be paying it any attention but I do love window shopping lol.
 
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