Road Cycling

BennyC · 23 Feb 2017 at 11:15

SeaSucker Mini Bomber arrived today. Purchased out of part necessity and also part want. Will post some thoughts on it in due course.

Bikes are insured just in case they do go bouncing down the road

Roady · 23 Feb 2017 at 11:59

BennyC said:
Bikes are insured just in case they do go bouncing down the road

Top Bombing!

Worth double checking the in's & outs of this, I got the other half to read the smallprint terms of the cover we have on ours (as a extra to our house insurance):

Locked in garage = covered
Locked at home = covered
Unlocked in locked garage = covered
Locked outside at place of work = covered
Attached & 'locked to' vehicle = covered
Attached 'unlocked' to vehicle = not covered
Within locked vehicle but bike 'unlocked' = not covered
Within locked vehicle but bike 'unlocked' even at home = not covered

As we've always tended to carry our bikes IN the car (rather than fitting/removing bike carrier), we have to be careful they're not left in the car at any point!

Seems fitting a bike to a carrier, and then just using a bike lock on one of the wheels to the carrier should be enough, without it = uncovered!

Bear in mind that mine is a non-specific 'extra' to my home insurance, not separate bike insurance. Any bikes under £500 are covered, my Diverge (worth more) is an additional £12 a year!

EDIT: RCUK adverts for 'Bike Expo' have Jon Mould (now riding for JLT) in NFTO kit from at least 3 years ago (their old white kit)! Not quite sure why they'd choose to show a dead/retired team or really old team kit on their adverts!?

SoliD · 23 Feb 2017 at 12:27

BennyC said:
SeaSucker Mini Bomber arrived today. Purchased out of part necessity and also part want. Will post some thoughts on it in due course.

Bikes are insured just in case they do go bouncing down the road

I could have sold you mine!

Lethal` · 23 Feb 2017 at 12:32

Roady said:
Attached & 'locked to' vehicle = covered

Seems fitting a bike to a carrier, and then just using a bike lock on one of the wheels to the carrier should be enough, without it = uncovered!

Surprised they will cover this. Presumably that also includes the Thule racks that have keys. Can't imagine they're very hard to break at all.

Roady · 23 Feb 2017 at 12:40

I'm not sure, bear in mind the insurer we spoke to said there wasn't even a distinction between different types of carrier... The main thing for us was knowing if we left a bike in the car anywhere it wasn't covered, better to remove bike from car and lock it to something and it was magically then covered. I was tempted to ask about locking the bike in the car to something non-removable (like a seat rail) but the likelihood of us leaving a bike in the car is very remote/unlikely (and never will now!). :rolleyes:

The wording of the policy 'locked to vehicle' almost implies the carrier is locked to the vehicle but the person we spoke to said it's the bike locked to the vehicle. As with anything insurance based their wording is tricky to interpret, but if you have their confirmation over a particular situation on the phone they have to stand by it.

I guess you could argue that a bike locked to a carrier, which in turn is locked to a vehicle, is therefore locked to the vehicle. But

BennyC · 23 Feb 2017 at 12:55

Bikmo Policy Wording said:
What is covered We will insure you for:

a. accidental damage to your cycle at your home and theft of your cycle from your

home; and

b. accidental damage to your cycle while away from your home and theft of your cycle

while away from your home;

occurring during the period of insurance, up to the amount shown in the schedule.

Additional cover The following are also insured up to the amount shown in the schedule:

Upgraded parts and components

1. accidental damage to or theft of the following items occurring during the period of insurance:

a. upgraded parts and components of your cycle; and

b. equipment fixed to your cycle;

which are your own property or for which you are legally responsible. However we will

not make any payment under this additional cover for any theft or damage:

i. to any mobile phones or PDAs; or

ii. which occurs away from your home unless your cycle is damaged or stolen at the

same time and by the same cause.

Specialist clothing and

headgear

2. accidental damage to or theft of any articles of specialist cycling, biathlon or triathlon

clothing, including wetsuits, eyewear, footwear and headgear, which are your own

property or for which you are legally responsible, occurring during the period of

insurance. However we will not make any payment under this additional cover for any

theft or damage which occurs away from your home unless:

a. the item is stolen from the transition area of an organised competitive triathlon or

biathlon transition area in which you are participating; or

b. your cycle is damaged or stolen at the same time and by the same cause.

Cycle boxes 3. accidental damage to or theft of any luggage designed specifically for the carriage of

your cycle, which is your own property or for which you are legally responsible,

occurring during the period of insurance. However we will not make any payment under

this additional cover for any theft or damage which occurs away from your home unless

your cycle is damaged or stolen at the same time and by the same cause.

Returning home 4. the necessary and reasonable costs that you incur to return directly to your home by a

registered taxi or by public transport following theft of or accidental damage to your

cycle insured under this section, which results in your cycle becoming unusable.

However, we will not make any payment under this additional cover where you cannot

provide a valid receipt or ticket from a registered taxi or public transport company

showing the cost of that journey.

Alternative cycle hire 5. the necessary and reasonable costs of hiring an alternative cycle following theft of or

accidental damage to your cycle insured under this section, which results in your cycle

becoming unusable. We will only pay for hire costs for the period beginning at the date of

the theft or accidental damage until your cycle is repaired or replaced. However we will

not make any payment under this additional cover unless

a. we agree that you may incur the hire costs before you have incurred them; and

b. the total hire costs are less than the replacement or repair cost of the cycle; and

c. you can provide us with written evidence of your hire costs.

Bikmo+ cycle insurance

Policy wording

Section 3 – Property

WD-HSP-UK-BKM(5)

Race fees 6. the non-refundable fee which has already been paid by you in respect of an organised

competitive cycling, biathlon or triathlon event in which you were due to participate if

you are no longer able to attend the race as a sole and direct result of a cause which

occurs during the period of insurance and is entirely beyond your control. However we

will not make any payment under this additional cover:

a. directly or indirectly due to any failure, withdrawal or inadequacy of necessary

finance or any financial failure of or financial default of any person, corporation or

entity; or

b. directly or indirectly due to strikes, industrial action or labour disputes, whether

actual or threatened; or

c. directly or indirectly due to any action taken by any national or international body or

agency to control, prevent or suppress or in any way relating to any infectious

disease; or

d. directly or indirectly due to adverse weather; or

e. directly or indirectly due to war, terrorism or nuclear risks; or

f. for more than one cycling , biathlon or triathlon event in any one period of

insurance.

What is not covered A. We will not make any payment for:

1. theft from your home unless:

a. the cycle and accessories are under your personal supervision; or

b. the cycle and accessories are contained within your private dwelling and the

normal security protections are fully operative and in force and the theft is a direct

result of violent and forcible entry to or exit from the premises by the thieves; or

c. the cycle and accessories are contained within a lockable outbuilding or garage

which is within the boundaries of your private dwelling and the normal security

protections are fully operative and in force and the theft is a direct result of violent

and forcible entry to or exit from the outbuilding or garage by the thieves; or

d. the cycle is contained within a lockable shed or secure gated car park within the

boundaries of your private dwelling which is privately accessed by residents and

their guests only and the normal security protections are fully operative and in force

and the theft is a direct result of violent and forcible entry to or exit from the shed or

car park by the thieves; or

e. the cycle and accessories are contained within a holiday home, guest house,

boarding house, motel or hotel in which you are resident and the normal security

protections are fully operative and in force and the theft is a direct result of violent

and forcible entry to or exit from the premises by the thieves; or

f. the cycle and accessories are contained within a self-contained lockable private

room within a hall of residence and the normal security protections are fully

operative and in force and the theft is a direct result of violent and forcible entry to or

exit from the room by the thieves; or

g. the cycle is secured through the frame by an approved lock to an immovable object.

2. theft away from your home unless:

a. the cycle and accessories are under your personal supervision; or

b. the cycle is stolen from the transition area of an organised competitive triathlon or

biathlon transition area in which you are participating; or

c. the cycle is secured through the frame by an approved lock to an immovable

object; or

d. the cycle is secured through the frame by an approved lock to an official cycle rack

provided by the railway station; or

Bikmo+ cycle insurance

Policy wording

Section 3 – Property

WD-HSP-UK-BKM(5)

13746 03/16 10

e. the cycle is clearly labelled and stored in a designated cycle storage carriage of a

train, or in the custody and control of the rail network operator or their agents; or

f. the cycle is adequately and professionally packed and stowed in the hold of an

aircraft or boat, or in the custody and control of an airport or seaport operator or

their agents; or

g. the cycle is completely contained within a motor vehicle and the motor vehicle was

fully locked with all security protections in force and the theft is a direct result of

violent and forcible entry to the motor vehicle by the thieves.

3. any theft or damage which occurs outside the geographical limits.

4. any theft or damage to your cycle or accessories where you cannot provide us with

evidence of ownership.

5. any theft or damage to your cycle or accessories unless the cycle or accessories are

used by you or any person who is legally using the cycle or accessories with your

permission.

6. any theft or damage to tyres unless the cycle is damaged or stolen at the same time and

by the same cause.

7. any cycle or accessories you have abandoned or any unexplained loss or

disappearance of your cycle or accessories.

8. any cycle or accessories being used for trade or business purposes, including hire or

reward, courier services, or the carriage of fare-paying passengers. However this shall

not apply to commuting or any competition use where your competition appearance fees

are less then £5,000 in total per year.

9 any cycle or accessories being used to participate in any stunts or using equipment

specifically designed for undertaking stunts.

10. any gradually operating cause including but not limited to damage caused by wear, tear,

wet or dry rot, atmospheric or climatic conditions, frost, insects, vermin, corrosion, rust,

dust, contamination, change in colour of finish, chemical reaction, marring, scratching,

denting, cosmetic changes, dampness, dryness, shrinkage, evaporation, lack of or poor

maintenance or failure to follow manufacturer’s instructions when using, maintaining or

repairing the cycle or accessories.

11. any mechanical or electrical breakdown or defect or electronic malfunction.

12. confiscation.

13. terrorism, war or nuclear risks.

14. the excess.

Have asked for clarity about insurance during transit as I couldn't see anything that specifically addresses it, just that accidental damage/theft at/away from home. Would never leave them secured on the roof unattended because the SeaSucker can be so easily removed.

Policy wording suggests that bike(s) are covered provided they are stored in a secured vehicle and taken by force. Don't need affixing anyway inside.

Roady · 23 Feb 2017 at 13:03

Yeah, there's no wording there about carriers that I can see? But at least Bikmo cover it in the car (unlike mine).

While you're checking it, confirm that you're still covered when competing in a 'competitive event', I remember reading something that implied that mine was only covered when used for leisure use and not racing?

BennyC · 23 Feb 2017 at 14:07

"365 Worldwide - We’ll cover your bike & kit anywhere in the world whether you’re riding, racing, or in transit. Time to squeeze another training ride in?"

https://bikmo.com/cycle-insurance/competition/

Will post clarity on 'in transit' once received.

xdcx · 23 Feb 2017 at 15:09

Since we were posting pictures of shoes....
Here is the result from a crash where a road bike was fitted with mountain bike brakes as apparently it's "the future" (lol). Note this occurred in a desert where it is pan flat and bone dry....
https://pbs.twimg.com/media/C5Wqe2xWYAAzB48.jpg

Shamrock · 23 Feb 2017 at 15:35

Is there any proof that was caused by a disc other than from Doull himself? How did his left foot hit a left-side mounted disc rotor?

Roady · 23 Feb 2017 at 15:43

Any link to the post rather than just the pictures?

xdcx · 23 Feb 2017 at 15:44

http://www.cyclingnews.com/news/dou...disc-brake-bike-almost-caused-serious-injury/

Kittel facing wrong way?
Kittel upside down?

When others in the peloton in the crash back up the claims of a rookie rider returning after surgery (like it's needed because why would he lie?) it will blow wide open and result in Internet wars.

UCI already been informed that 40% of riders don't want them full stop and the other 40% disagree with the phased introduction approach. aka 80% of riders don't want them.

It's a marketing bike selling waste of time. The peloton has never asked for disc brakes nor never seen the need for them.

Shamrock · 23 Feb 2017 at 15:53

I'm not for or against discs in the Pro Peloton but having used hydro discs descending actual mountains in the rain I can see the appeal for us Wee Weekend Watt Warriors.

lordrobs · 23 Feb 2017 at 16:10

xdcx said:
It's a marketing bike selling waste of time. The peloton has never asked for disc brakes nor never seen the need for them.

Of course it is but cycling is all about the weekend warrior needing what the pro's have so they can do a 30 mile ride at an average of 15.5 mph. Without the professionals being the pedlars of the latest goods on offer from the brands then they are of no use to them.

BennyC · 23 Feb 2017 at 16:24

BennyC said:
"365 Worldwide - We’ll cover your bike & kit anywhere in the world whether you’re riding, racing, or in transit. Time to squeeze another training ride in?"

https://bikmo.com/cycle-insurance/competition/

Will post clarity on 'in transit' once received.

Bikmo 23/02/2017 said:
Yes, if your bike(s) were to be damaged during transport or due to an accident whilst driving or parked, you would be covered.

There is an element of due diligence, though in that you must take reasonable steps to prevent accident and to protect your property against said damage. For example ensuring that your bike is packed appropriately in a bike box/bag when being transported via an airline or making sure that the bike is loaded correctly onto the rack, etc.

I hope this helps but if you need any clarification or have any further questions, please don't hesitate to get back to me.

SDK^ · 23 Feb 2017 at 16:31

xdcx said:
The peloton has never asked for disc brakes nor never seen the need for them.

I have no interest in what the Pro's use; they probably don't need/want disc brakes - I do though

SDK^ · 23 Feb 2017 at 16:33

xdcx said:

The top 'tongue' also looks torn - did the discs do that as well

Also, that brown stuff in line with the rip - I don't suppose that could be chain lube could it.

Given the likely speed of impact this could quite literally been anything, but oh no, 'Disc brakes so must've been the disc'

jonneymendoza · 23 Feb 2017 at 16:42

who here cycled today lol

madindehead · 23 Feb 2017 at 16:46

The brown marking doesn't look like something a disc brake could do.

Roady · 23 Feb 2017 at 16:46

Asked whether he had a stance on disc brakes, Doull replied: “I definitely do now."

"In my opinion unless there are covers on those things they’re pretty lethal.”

I thought them being reintroduced was also with covers/rounded edges?