However, even with all the necessary care and maintenance, some unforeseen events can happen, in the face of this, having insurance is a way to protect yourself and avoid damage.
In addition to residential insurance , which protects the item in case of occurrences inside the house, nowadays it is possible to take out specific insurance for bicycles .
Want to know more about the main coverages? Keep reading and stay in the loop!
1. Robbery and theft
This is probably the main concern of anyone looking for insurance, whether for a car , a bicycle, or even electronics.
Coverage is offered under bicycle insurance as well as some home insurance. It guarantees compensation in cases of break-in of locks or chains for theft of the bike inside the house or parked on the street; in robberies and threats to subtract the property, among other cases.
2. Damage to the bike
Another important insurance coverage is in relation to damages that can occur in falls while riding on the street or on the trail, in accidents inside the house (such as fires and explosions), among other situations.
Therefore, having protection is a way to minimize damage and get the repair or replacement of the equipment faster.
3. Damage during transport
Want to take your bike on road trips without worrying so much about its integrity? Insurance also protects the equipment in case of damage during transport, as long as the bike is in a suitable support. That way, if a car accident damages it, you will be compensated.
4. Damage caused to third parties
Accidents involving third parties can happen in different situations, including with cyclists. In some cases, in addition to the financial issue, other inconveniences are generated, such as lawsuits, so this is one more of the protections offered in insurance contracts.
The extra coverage for damages to a third party, known as civil liability , guarantees the indemnity in case the insured is responsible for a pedestrian accident, damages a car during the practice of the activity, etc.
5. Protection in bike competitions
Bicycle insurance is also interesting for competitors, as it has coverage for theft, theft and damage during training, competition or transport throughout the national territory.
Therefore, the equipment will be protected and the owner will avoid financial losses in occurrences such as those mentioned above, since the replacement or repair of sports bikes are usually expensive due to the value of the good.
The use and investment in bikes has increased in recent years, and if you are a fan of using a bike or are planning to purchase one, it is important to be informed about ways to protect this item and ensure peace of mind when riding, storing and transporting it. .