Push Bike Insurance

Push Bike insurance is a necessity in today’s modern age with cycle theft an ever present factor in modern life. With more and more of the UK population becoming cyclists it has resulted in an increasing number of Bicycles being seen in not only the towns and cities but also the parks, trails and National parks throughout the country. With sports such as Mountain biking becoming more and more popular it has also shown that Mountain Bike insurance policies have become something owners set up once they take delivery of their new Cycle. With modern Mountain bikes often costing upwards of £5000 it is no surprise that consumers want the peace of mind that a specialist Push Bike Insurance policy can provide them. Often the bike will be the third biggest investment behind the house and car so it stands to reason to have a separate insurance cover. After all who would want to face up with paying for a new mountain bike for several thousand pounds when it could be as simple as registering a claim and then receiving the funds for a replacement a few weeks later? Another reason that has seen huge growth in the use of Push Bikes has been an increased ecological awareness in modern times that has seen cycle use promoted as a green alternative of the motor car. With considerably lower running and maintenance costs many have turned to the simpler use of riding a cycle to work and helped reduce their carbon footprint at the same time. The health and fitness aspect is also a big pull towards the push bike with many as it is an easy entry into regular exercise program too. Mountain biking and also the traditional Racing bike are individual sports in their own right and with participants often very enthusiastic about the latest technologies, equipment and upgrades available. The very compact size of the push bike relative to their value also makes them a very big target of thieves who can sell on a stolen bike with ease. This is one of the main reasons to be covered with a

Cycle insurance cover so that you can have your bike replaced should it ever get taken from you. It is also possible to have an individual policy to cover items such as public liability cover, roadside assistance in the event of breakdowns, children’s policy and also a sports specific competition cover for Triathlon racing and other sports events. Public liability cover or third party insurance as it is also known is a feature that many consumers are looking to add to their policies especially with the increase of the numbers of cyclists on the UK’s roads in the towns and city centres. The main advantage of adding this extra cover is that should you collide with a pedestrian or another vehicle then you will be protected in the event they make a compensation claim against you. The protection typically starts at £1m and can be increased above this amount should it be required. The 3rd party cover will usually also add personal accident cover that will pay out if you are injured whilst on the bike. As more and more people get into the activity of cycling, mountain biking and generally riding around on push bikes it becomes clear to see that collisions may well occur more frequently – especially in areas where cyclists and pedestrians mix together. With the increase in mountain biking on the UKs trails, forests and National parks this also brings into the mix the likely hood that colliding with another cyclist is a possibility or even hitting someone walking along the same routes. Why wait until this happens and simply add this onto the push bike insurance today. Bicycle insurance is very similar to taking out motor insurance but the features of cycle cover that are most impressive include the fact that you will get new for old when it comes to replacing your bike and also have to pay no excess on your claim. Another feature that is shared with your typical car cover is the ability to build up a no claims bonus each year if no insurance claims are made. This is helpful to reduce the cost of the cycle insurance policy and often saves up to 20% of the costs. Cycle insurance costs are also not effected by having had previous claims made for lost or stolen bikes as long as they are disclosed at the start of the policy. Cycle insurers will usually allow 2 previous claims to have been made before the costs increase. If you also often let others use your bicycle you can ensure the bike is always protected by having named riders on the policy too. This means you can provide for other riders or family members to extend the push bike insurance to apply to when they use your mountain or road bike so should it get stolen or damaged while they are using it then you will be still able to replace it under the Cycle insurance.