Bike Insurance

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2006-08-16 11:42 AM

Master
1315
1000100100100
Shreveport, LA
Subject: Bike Insurance
Does anyone have any kind of insurance for their bike?

Home owners would cover the bike getting stolen from home, but what about covering the bike if you get hit by a car while on the bike. Is this normally covered under the other person's insurance?

I really didn't care too much when I had my other bike, but now that I have a nice bike, I don't know if I need to add some type of extra policy on to my car or home owners policy.


2006-08-16 11:50 AM
in reply to: #513420

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molto veloce mama
9311
500020002000100100100
Subject: RE: Bike Insurance
my bike was stolen when i was renting. it was stolen outside where i worked at the time, but my renter's insurance still covered it.
2006-08-16 1:15 PM
in reply to: #513420

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Pro
4578
20002000500252525
Vancouver, BC
Subject: RE: Bike Insurance
When I had a home owners insurance policy, I had to purchase a rider on my insurance for my bike as my base policy didn't cover bikes up to the amount it was worth.

If I get hit by a car while on my bike, the driver's car insurance covers it.
2006-08-16 1:46 PM
in reply to: #513606

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Elite
2768
20005001001002525
Raleigh
Subject: RE: Bike Insurance

jeng - 2006-08-16 1:15 PM When I had a home owners insurance policy, I had to purchase a rider on my insurance for my bike as my base policy didn't cover bikes up to the amount it was worth. If I get hit by a car while on my bike, the driver's car insurance covers it.

Or you would be dead and you wouldnt have t worry about it

2006-08-16 2:01 PM
in reply to: #513420

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Pro
4578
20002000500252525
Vancouver, BC
Subject: RE: Bike Insurance
Well then someone else can have the bike.
2006-08-16 2:41 PM
in reply to: #513420

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Veteran
260
1001002525
Near Salt Lake City
Subject: RE: Bike Insurance
I asked my brother in law (my insurance agent) this very question on Sunday. He told me, if I'm hit by another car, that person's insurance would cover me as if I were in a car. If that person was uninsured or underinsured then my car insurance would step in as if I were in a car. If the damage/ injuries are costly enough my insurance would go after the person's insurance or personally for the damage. If my bike is stolen from my house or damaged from fire etc. I need a police report and my home owner's insurance would cover it. I would contact your insurance company and find out for sure though

Edited by rd04 2006-08-16 2:41 PM

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