2012-05-26 - GSIAD VI (Return of the Mayhem)

I'm not sure it's a question of whether you did it on purpose, more a question of the insurers wondering why they should pay out when you rode into the back of a car that was waiting at a set of red lights (albeit a car that was disguised to look like tarmac). Presumably you're liable for the damage to the car too?

What's with all ninja edits in this thread?
Did Dom say something?

I asked if Andy's policy had public liability cover or not. I deleted in favour of PM in a wasted attempt at trying not to further derail the thread. ;)

The car had moved by the time I took the photo.....

Anyway, first opinion from Sigma is that the frame, forks, front wheel, handlebars, saddle, headset and left shifter will almost definitely need replacing.
The rear mech might just need a repair...

So that leaves me with a crankset, bottom bracket, rear wheel and brakes.

Good thing I've got decent insurance.

Happy fucking monday everyone!

are you going to get a good bike this time?

that is .........

Zing!

are you going to get a good bike this time?

Where's the point?

Where's the point?

Insured for £1400 (updated to reflect addition of the RS80's)

Do they know you're a Strava athlete?

was the bike insured for racing?

was the bike insured for pub crawls?

.

Evans Cycles Insurance is suitable for a wide variety of cyclists thanks to the options that are available. If you take your bicycle abroad – no problem, you can choose to have EU or worldwide cover. If you race your bicycle – no problem, there’s our Active option, which covers you whilst racing or competing in cycling events.

It’s becoming increasingly more important that cyclists take out liability cover in a similar way that motorists have to have third party cover. Third party or public liability insurance provides financial protection against third party claims should you cause injury or damage to another person or their property whilst using your bike. If you ride your bike on the road, where the potential to cause or be involved in an accident is greater, you should seriously consider adding the public liability option to your Evans Cycles Insurance policy.

Another benefit of taking the public liability is that you automatically receive personal accident cover. This means that if you were injured whilst using your bike, you would receive an amount of money as compensation.

Insurance is a con

Yep. I'll be amazed if they pay out.

No insurance and no KOM. Pwnd

I've smashed up a bike before in a 5mph road accident. They paid out £2k. Which is why I'm happy to continue insuring.

What segment?

Segment? Bit of the bike? Levers, front wheel, frame and fork. It was a R900 Cannondale if I recall right. My old crit bike before I bought the Serotta and stopped racing.

They paid cash within 2 days, and photos were enough evidence. Simplest thing ever.

Ah, the old days. When no-one cared a jot about money. Not like nowadays...

Nothing in their terms says your accident has to be due to somebody else being at fault. My insurance policy covers specifically for Malicious damage or theft by others, and **NON-COSMETIC **damage whilst out on the road.

I already have the safety check / report from Sigma, stating the bike is a total write-off, i.e. strongly advising that it not be ridden again, the damage being so extensive. The insurers say Sigma's report *should *be fine if supported by the photos of my injury/injuries and each visible bit of damage to the bike.

Not expecting a full replacement but hoping for most of it, or enough towards (as someone put it) a "better" bike...

I've smashed up a bike before in a 5mph road accident. They paid out £2k. Which is why I'm happy to continue insuring.

Good job you crashed your bike else all that insurance would have been money down the drain. Drivers tend to have insurance for when they break our bikes

They paid cash within 2 days, and photos were enough evidence. Simplest thing ever.

+1.

Fingers crossed

Good job you crashed your bike else all that insurance would have been money down the drain. Drivers tend to have insurance for when they break our bikes

yeah but the "what-if" factor counts. as well as the "shit-I-wish-it-was-insured" factor.

It's the ' what if' that suckers you in suckers.
Just don't crash!

Would you insure an expensive suit?
What if you tear it, stain it, lose it?

but if you do and trash your expensive bike, you're screwed.

I understand the anti-insurance argument, but some things are too valuable for whatever reason (monetary, sentimental etc).