What Is Bicycle Insurance
It’s admirable that more and more individuals are choosing to commute by bicycle and that they are also becoming more health conscious and using exercise bikes as a part of their fitness regimen. Individuals might utilise bicycles for short trips, but every action performed by society to lessen environmental pollution should be commended. Accidents and other unfortunate occurrences are impossible to predict, but you can make sure you have the required financial security to stave them off.
Hence, if you ride a bicycle, you should look for insurance in the form of a bicycle insurance plan that provides coverage for both the pedal and exercise cycles. The typical home owner’s or renter’s insurance policy covers bicycles. After deducting the deductible, the insurance will compensate you for the amount of the sum insured.
Types of Bicycle
Whether you are riding your mountain bike to the top of the hill, riding a road bike through the busy city streets, or utilising your beloved BMX or trick bike to pull off tricks. Each of them has their own unique set of difficulties and unpredictable hazards, which can seriously harm the cycle and result in expensive costs for you. Instead of footing the money for the damage out of your own wallet, you should insurance your bicycle.
Road Cycle
These bikes are distinguished by their narrow tyres and downward-facing handlebars. Although they are renowned for their high efficiency and speed, unfavourable events like accidents can still cause damage to your Cycle. By acquiring insurance for your Bicycle from Bimakart, you can avoid paying for repairs.
Mountain Cycle
Although these bikes feature tough handlebars and flat handlebars that assist them travel over obstacles, cycling on a mountain can come with its own set of problems, such as skidding that can damage your Cycle. Bimakart offers insurance solutions to cover these risks.
Hybrid/Comfort Cycle
These bicycles have tyres that are less substantial than those on the mountain bike but slightly thicker than those on the road cycle. They are suitable for use on rough terrain, hikes, or a vacation with the family on bicycles.
BMX/Trick Cycle
A small dirt track, similar to a cycle’s, is used for racing in bicycle motorcross. These cycles are strong and are used by people who want to perform tricks or jumps, but occasionally a stunt that is missed or fails might have an impact on the cycle’s parts. If you have your bicycle insured via Bimakart, you will be covered for these expenses.
Commuting Cycle
As the name suggests, these bicycles are used for commuting and are equipped with the most useful extras like lights, rear racks, bags, locks, and fenders. If your bicycle is damaged in an accident, however, your mode of transportation may be disrupted. Use insurance products from Bimakart to reduce the cost of repairs.
Exercise Cycle/Pedal Cycle
You regard your exercise Cycle/pedal Cycle highly because it burns calories and body fat effectively, yet it could be damaged in a fire or stolen. Have it insured from Bimakart rather than spending money on repairs or purchasing a new one.
Tips to Maintain Your Bicycle
We need to understand how routine maintenance of your bicycle may help you both save money and enjoy your ride now that you are all set to obtain insurance for it. Your bicycle’s parts could malfunction as a result of poor maintenance, necessitating expensive repairs. So let’s look at some actions you can take to constantly maintain the best condition for your cycle:
With the use of disposable rags, cycle oil, and a degreaser solution, keep the drive train clean and oiled. Clean all debris from the chains, sprockets, and chain wheels.
Maintain proper tyre pressure at all times, and check them frequently because low tyre pressure can negatively affect your riding experience.
Maintain the nuts and bolts’ tightness, but be careful not to overtighten them. Check them frequently.
Lubricate your Cycle on a regular basis to prevent rust, corrosion, and excessive friction. Avoid overlubricating as it can draw in dirt particles.
You must always ensure that your brakes are in excellent working order, inspect the brake pads, the brake handle, and the brake lever, and take the necessary measures to ensure your safety.