Quote:
Originally Posted by filip75
My view on bike insurance is that you pay for the bike in full and then just get liability. I pay $97/year for both of my bikes. If I lay it down, I'll just pay out of pocket to repair it. If it gets stolen, then I'll buy another one with the money I saved on insurance.
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The problem is that some of us has some pretty rare and expensive bikes, and repair can be quite costly even it is just a parking lot mishap. So I wouldn't generalize here.