Introduction
Did you know that less than 10% of
mountain bikers actually use travel insurance? Why? Because it's hard to
realize its importance until you really need it. Mountain bike travel insurance
is your best protection. But that's not all that it can do for you. With it,
you can protect yourself against catastrophic injury claims and acts of god
during the duration of your trip.
What is mountain bike travel
insurance? Who can use it? What do you need to know? And if your health
insurance won't cover it - what do you do then? When did mountain bike travel
insurance become a thing? These are some of the most common questions you might
have when it comes to mountain bike travel insurance.
Mountain
Bike Travel Insurance Basics
Mountain bike travel insurance is a
bit of a misnomer. It's not just for mountain bikers. In fact, any kind of
travel can result in a claim if you're involved in an accident.
Mountain Bike Travel Insurance
Basics
The type of travel that you're doing
when you get your policy is key to the level of cover you'll get. If you're
traveling on dirt roads or cross-country skiing, then it's likely that your
insurer will provide more comprehensive cover than if you're touring down a
busy highway.
When shopping for a policy, make
sure that the company offers coverage for all types of bikes, including road
bikes and mountain bikes. It's also important to ensure that they offer
adequate levels of personal injury protection (PIP) and medical expenses (MEP).
Mountain
Bike Travel Insurance Coverages
Mountain Bike Travel Insurance
Coverages
Mountain bike travel insurance
offers the same coverage you need to ride your bike in any country. It also
covers your bike, parts and accessories, and can even provide coverage if your
bike gets stolen while you’re away.
Some policies may cover rental bikes
as well so it’s important to read the fine print. Your policy may offer up to
$1 million in liability coverage per incident as well as theft, damage or loss
coverage.
Some insurers offer a policy that
covers any type of cycling (including road cycling) for just $14 a month.
Other
Considerations for Mountain Bike Travel Insurance
Mountain bike travel insurance is an
important part of your adventure.
Mountain bike travel insurance is a
type of medical coverage that provides coverage for all types of injuries,
accidents and illnesses that happen during a ride.
Other Considerations for Mountain
Bike Travel Insurance
While mountain bike travel insurance
can be used to cover most things that happen while you're traveling with your
mountain bikes, there are some additional considerations to keep in mind before
purchasing a policy:
You should make sure the policy
includes coverage for your bike and other gear, including helmets and
protective clothing.
The policy's deductible (the amount
you pay toward medical bills before your policy kicks in) should be high enough
so that if you do get hurt, the cost won't be too much for you or your family
members to handle.
Where
to Buy Mountain Bike Travel Insurance
Buying a travel insurance policy for
your mountain bike is a bit different than buying one for your car or other
vehicle. Here's what you need to know before shopping for the right policy.
Where to Buy Mountain Bike Travel
Insurance
There are two ways to go about
buying mountain bike travel insurance: online and offline.
Online is the easiest way to buy a
policy, but there are some downsides:
You can't pick up the policy in
person, so you have to mail it back once you're done with it, which means
you'll have to pay shipping costs yourself
You won't have access to any
customer service representatives, but that might not matter if you don't mind
paying out-of-pocket (which is an option if you know exactly what type of claim
you're making)
Offline options include agents who
work out of warehouses or showrooms, or those who sell policies through their
websites directly.
0 Comments