Insuring your bikes

[uforgot]

Thanks for all the great advice. I'm going to read my policy. Taking pics is a great idea, and I have already taken them. I also registered with the National Bike Registry, and I think it's good for something like 10 years. Printing out the spec sheet won't help since I moved some of my Shimano 105 components over from another bike and he built the rest up, including the wheels. That's part of my concern, I just can't call up someone and replace the parts I chose!

Thanks again! I can always count on TE.

[Aggie_Ama]

I have also read some LBS will help write up the specs and how much the bike would cost to build. In the case of the Surly I wouldn't think this would be a big issue to do since they can be sold as frame and build?

[Blueberry]

I'm at my LBS so much they could probably write an estimate of my bike from memory

Seriously, I have lots of pictures. And serial numbers (except for my cannondale - which requires deconstruction to get it).

CA

[TxDoc]

Thanks for all the great advice. I'm going to read my policy. Taking pics is a great idea, and I have already taken them. I also registered with the National Bike Registry, and I think it's good for something like 10 years. Printing out the spec sheet won't help since I moved some of my Shimano 105 components over from another bike and he built the rest up, including the wheels.

The standard spec sheet does not help in your case, but you can always write down the specs for your bike (with the components you used to build it) and give it to your agent with the pictures (take some close ups showing the components too). This is what my agent asked me to do, just to make sure that mor expensive components would not be replaced with a standard build.
Hope this helps. Also she said to take a picture where the bike registry # shows, one with the serial #, and one of the bike license # if you city has registration.

[aicabsolut]

My renter's insurance covers my bike and all my expensive sporting equipment. It even covers it when it is in my car and stolen or damaged due to an accident where I'm at fault (which my auto insurance won't cover--my liability insurance only covers other people's property in/on my car in that case).

[boy in a kilt]

SGTiger was quite specific about ensuring both of our bikes were covered on our homeowners policy. Get this, they cover actual cost of replacement.