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#16
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So...buy a 1990 Colnago Master with Campy Record for $1200. It gets stolen. What's the price for a 2024 Colnago Master with Record? Maybe $10K With a $500 deductible, you get a check for $9500. I can't imagine not making *that* claim. (of course, the insurance company *may* source the bike for you via a wholesale channel...but it still would be a new Colnago...) When we put in claims after water damage years ago, we just provided photos (where possible) and invoices for the replacement items. No problems.
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Colnagi Seven Moots Sampson HotTubes LtSpeed SpeshFat |
#17
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For me, renters insurance was clutch when my wife's bike was stolen. As previous posters have stated it was super important that our policy covered replacement cost not the depreciated value of the bike. The bike stolen was a nice but not too nice single speed I think we paid $750 and got $550 after the deductible and I was happy with that. Most of my bikes are much more expensive than that and I feel well covered. Secondly, I used to work on 53rd Street in midtown Manhattan I rode my Niner RLT with Ultegra to work for 4 years and used the super heavy-duty Kryptonite lock. I had zero issues while several coworkers with lesser locks had bikes stolen. My theory is at least in NYC most bike theft is a crime of opportunity. A theif see a bike they can pop the lock on in 30 seconds they go for it. The Kryptonite is not unbreakable but bike theaves are lazy dicks.
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#18
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Water damage now we seem to have a $2000 deductible.. but it wasn't $2000 back when the bike got destroyed for that particular claim. |
#19
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I've talked to friends that will leave a second lock locked up in the spot they leave their bike at work so they'll have 2 locks at work! Quote:
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#20
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Leaving a lock at "work" is common as to not have to carry. I always suggest a shot of Try-Flow or dry lube on occasion to keep things from seizing. It's a shame how many people I sell bikes to in Chicago that are replacements. |
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