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London Fixed Gear and Single-Speed is a community of predominantly fixed gear and single-speed cyclists in and around London, UK.
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Well_is_it
One of my cats broke his femur. He was not insured. It cost about £3000 to fix, total.
Get insured. Get insured now....
Only problem is that most insurance takes a couple of weeks to kick in, just so you don't leave it until you actually break something and need to use it.