If this is just to cover bike damage/loss then why not just keep a 'kitty' going, stick a few quid in it every week. Spend it in an emergency.
@DFP started
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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If this is just to cover bike damage/loss then why not just keep a 'kitty' going, stick a few quid in it every week. Spend it in an emergency.