4/7/2024 0 Comments Bicycle valueIn a partial loss situation where there is damage to the bike that is less than the insured amount, the policy will reimburse the retail cost of the damage, including labor, less the chosen deductible. Receipts will be required to prove the bike’s value. Example: A bike purchased for $3000 with $500 worth of accessories has an insurable value of $3500 and in the case of a total loss you will be reimbursed $3500 less the deductible that you chose. In a total loss situation (think theft) the policy will reimburse up to the insured amount that can be proven through documentation (receipts). You can make value changes at any time during the policy period if you add accessories or make upgrades. You should insure the bike for its purchase price including any cycling accessories added after purchase and any component upgrades completed after the initial purchase. This means that the client “states” the "replacement value" to be insured and that is the amount covered, subject to the client chosen deductible, with no deduction for depreciation. The Velosurance policy, issued by Markel Specialty Insurance, is known as a “stated value-replacement cost" policy.
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