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Let’s Learn Some Interesting Things About Bikes

Written by Super User. Posted in More Bikes

This is quite an interesting infographic, one that you will surely want to look at carefully in the event that you like bikes or that you are interested in the history of the bike. This great gadget appeared a long time ago and it is still being improved these days. It is a great way to move around, especially for those that are eco-friendly.

We always want to learn new things and pass the knowledge to you. Read the stats and facts highlighted so that you can easily learn a lot of interesting things about the history of bikes, including seeing how they looked at.

A Gumtree graphic - The history of the bike

The History of the Bike is a graphic produced by Gumtree.com.

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Does Your Home Insurance Adequately Cover Your Bicycle?

Written by Super User. Posted in More Bikes

There are a lot of misconceptions many cyclists have about insurance and their bikes. While most cyclists would prefer to believe their bike was in some way covered, particularly if they rely on it as one of their main ways of getting to work or school, or they have an expensive bike they use for sport, a lot of them don't investigate bike insurance policies because they believe that their bike is fully covered under the terms of their home insurance.

While there is no legal pressure to get insurance for a push bike, as there is for a motorbike, many of the other reasons for insuring a bicycle are basically the same as for a motorcycle, and there are tailor made policies designed for riders of both. Here we look at why these bicycle insurance policies can be very beneficial to cyclists compared with relying on home contents insurance to protect a bike.

What Home insurance Won't (Usually) Do

Home contents insurance is a great idea, but it simply isn't designed to cover expensive, commonly stolen items that are often taken out of the home. This is why it often isn't enough for situations where these kind of items (like bikes, laptops and mobile phones) are damaged or stolen. Often, these items are only covered in certain conditions, and are also only covered up to a certain limit. There may also be a significant excess to pay. As most bike thefts don't occur as part of larger home robberies (they are more usually stolen outside of the home), it is usual that you will be faced with making a claim for the bike alone. With a high excess and the loss of your no claims bonus, this may not be worth it, but you are still left with no bike to use until you can raise the money for a new one (or get yours repaired if it was in an accident rather than stolen).

Another thing home insurance won't cover you for is injury or liability. Certainly, you are less likely to cause an accident where someone might get hurt or have their property damaged on a bike than on a motorbike or in a car, but it can still happen, and you can be sued. This can end up being a fairly terrifying thing to happen, legally and financially.

What To Do

Check your home insurance policy to see exactly what is and isn't covered when it comes to your bike. If you are satisfied that any risk beyond that level of cover is acceptable (for example, if you could easily afford a new bike, or your bike is rarely used), then you don't need to do any more, but at least you will know whether or not it is worth trying to make a claim should something happen. If you feel you need better coverage, investigate stand alone bike insurance policies and buy one. They are not very expensive, and can save a lot of trouble down the line.