I have for you bad news. There is no such thing as the best insurance, just as there is no such thing as the best bike. Other needs are the father of the family racing in masters, and another student who is racing in Mazovia. That's why I can not give you the perfect product. However, I can help you make decisions and give me some tips on what to look for and where. Thanks to this, the conversation with the insurer will be easier. Especially that many people have insurance, which they do not know about, or to which it is cheaper to buy what I am writing about (eg in the case of home insurance). We will focus only on the bicycle aspect.
The second bad news: statistically, you will lose money when you buy insurance and I wish you that. Insurance companies must earn.
third - do not believe the internet. Trust people who know about it. There is a reason why I do not compare offers here, only tips - good insurance will sell you a good agent.
Fourth - it is really hard to find a person who will sell us adequate insurance. The agent, hearing that we are talking about a bike, will automatically choose our strictly bicycle offer, and these are not the best.
With insurance is like a backup copy - no one needs them .... until it turns out that they were needed.
~ Maćko Koelo
Do I have to insure?
You must - at least OC. End of discussion.
I always say that if you ride a bike sooner or later you will be lying on the asphalt. Not always because of others. Sometimes he goes tired, sometimes thoughtful, sometimes he will accidentally catch another cyclist. As in the "joke" that I just came up with at this point:
- what is the different rider before the FTP test from that after the test?
- the fact that this one beforeshe can see where she is going with the test
Why and what to insure?
Most people who explain why you need to have OC use an example of a broken mirror in an expensive Mercedes. It happens. You can then escape from the scene of the incident and convince yourself that if someone can afford such a car, he can also repair it. You can also stop, apologize, give your policy number and go home 10 minutes later. But this example is harmful to me. The OC is not about a broken mirror. Repair for a thousand zlotys, three thousand or even eight is painful, but for a moment. Most of us will deal with such a burden sooner or later.
... what if there was a kindergarten here?
OC is not to repair scratched bumpers ... well, it's useful too, but that's not its main purpose. Imagine a situation that we are doing something stupid on the road - it happens. Driver to avoid deducting us gets into another car. Losses at 23,000. Hard, but maybe we will survive it somehow. It turns out, however, that one of the drivers did not make it to our plane. He did not sign a valid contract. The other broke his arm - he is a tennis player. The situation is unlikely but let's remember that if someone does not go to work for us, he will have to cover the losses. If he is in hospital, then someone has to pay for it. In total, you pay for everything - then it turns out that the most popular insurance for 10,000 or 20,000 do not make any sense. In my opinion, the minimum, reasonable amount of third party liability insurance is the THOUSAND STO. I chose 500,000 myself, how crazy it is to go crazy. The insurance is about having peace. Now let's look at the newspaper clipping about bicycle insurance - WHERE SENS ?!
Here comes an idea: we do not need cycling insurance at all, you can buy a normal OC. We give up the additions that come in bicycle packages such as "towing" home in the event of a failure and unnecessarily increase the price.
OC in life solves all our problems - in virtually every bicycle situation, but not only. Will we beat a colleague on bicycle training? Our dog will eat somebody? The flowerpot will fall from the window and kill someone? No problem - all these situations are covered by our policy.
Are you sure all? Here a question arises that almost no one knows. Yes, all basic with people, cars and other riders are overwhelmed, but what is the issue of the competition? Well, it is turned off (for PZU):
competitive sports - a form of physical activity involving the practice of sports disciplines in order to obtain, by way of competition, maximum sports results by persons who are members of clubs, associations or sports organizations
and no one wants to tell me directly, or if I'm going to a competition, I'm practicing sport. Because if I write on the start list, that we are a two-person cycling club with a girl "Hop Cycling"Are we actually already in a club or a relationship? I will not answer this question either to me or to the hotline, or the man selling the policy. Maybe you just need to sign up without a club? And maybe start to say loudly that the organizer should provide such benefits (of course with the higher entry fee)? However, you can always buy an extension, even for one day - it's worth asking.
NNW, is it necessary for someone?
Not me. NNW is money that, unlike OC, are for us .... and again: low NNW does not make any sense to me. How to take it crazy. It is usually paid as a percentage, i.e., for example, the break is probably a few percent (HERE an example of the PZU table, I am poor at doing the reading itself). If we are insured for 10,000, a few percent is a few hundred zlotys. More important, however, is the payment for a hospital stay and inability to work, especially in the era of the ubiquitous form of self-employment. Because if we are employed under a contract of employment, at a time when we are lying for a long time broken, we get a significant portion of our salary, but in other cases it is bad. It's not enough that we can not make money, we still have to pay for treatment. I do not want to be an insurance agent and move away from the subject, so I leave it to you to think about it. For my part, I will say that I only buy a KL policy, i.e. Costs of Treatment for each of the foreign trips (eg a week in Italy costs about PLN 25, and I do not have to worry about what the NFZ will refund me).
Let's also remember that NNW can be bought for one or several days. If we plan to go in the style of #YOLO, why not?
What to do if I run into a tree
Bike insurance (AC) is a catchy subject due to the amount and amount of exclusions. I did not decide. Most companies, for the maximum value of the equipment, consider the amount from 1000 to 5000 PLN, and we will not get even more fire and burn. In addition, insurance does not work in the most desirable situations, i.e. when someone bumps a bicycle under the shop when filling the water bottle. Even if it was fastened with 15 zippers. He must do it with the use of robbery. If you are afraid of theft from home, check the insurance of your apartment, because it probably covers this problem (home mobility). I know people who managed to get compensation from the AC titles after they destroyed the bike themselves while driving (wheel specifically). The limits of insurance amounts in relation to the additional costs we incur (about PLN 400 a year) make the sense of such a purchase doubtful.
How to insure?
1. We choose an insurer
Which one we choose does not really matter, prices and totals are similar everywhere. I could write a comparison of offers, but before I finish writing this text, the promotions and conditions will change and it will be out of date so there are two possibilities:
- we choose the company that we like the most / where our friend works / whom we trust / who supports cycling / whatever and we contact the agent (information always on the website)
- we choose a broker and we trust him that he will choose the best solution for us among many companies
2. We contact
This is the hardest point, because it requires action. We do this:
- we enter the website of any insurance company and we find a form with a request to contact us at the selected time. Unfortunately, you can not buy OC using standard forms or helpline - anyway, contact us with a specific agent or institution.
- we pass a certain insurance company on the way to work and enter it
- my favorite, because the lazy version: we call a friend. If you do not have a friend, you can use my (advertisement, for which I do not get anything, but I can honestly recommend it, because I also ride a bike, so I know what's going on):
Ms. Sabina: +48 508 092 969 and you say you're from Hop Cycling and you want to get insured - she'll know what's going on.
Note: agents make money from us. In contrast to the sellers in the store, they have a lot of commissions, so firstly they want to sell us something and they will be nice and helpful, and on the other hand they will want to sell us as much as possible and not always the best. They are for us, we are not for them, so do not be afraid to ask.
3. We buy
If we agreed physically and either the insurer came to us or we were sitting at his office in the office, the matter is simple and 10 minutes later we leave with a signed contract. If we are lazy (and certainly we are) and arrange everything by phone / e-mail, like me with Ms. Sabina, we get everything by mail. It means yes:
- We determine what insurance will be the best - we say, she proposes.
- We confirm by email
- We get a post by mail, which we sign, put back into the envelope that came together
with her and throw it into the nearest mailbox
- We make a transfer.
The whole process takes about 5-10 minutes to discuss details, 5-10 minutes to read the GTC (because we read contracts), 5-10 minutes to sign and return. If we are very stubborn, it will come out of this half hour broken for about 2-3 days and we have peace for a year or longer. Simple.
How much is it?
Hard to say. There are an infinite number of combinations, because we can buy policies separately as supplements to existing insurance, in groups, in packages, etc.
Sometimes it is worth asking if there is insurance "for a loved one", which can reduce it by up to half. A person with whom we live can be a close person but nothing connects us with it.
I can, however, give examples of amounts that will show the order of magnitude (annually):
OC in private life:
- up to 200,000 to PLN 54
- up to 500,000 is PLN 90
- up to PLN 200,000,000 is PLN 219.
accident:
- 1% prejudice is PLN 150, over 7% begins PLN 500 - PLN 15 per month, supplement PLN 50 per day in hospital / L4 is another PLN 14.
- for PLN 900 for each percent, PLN 70 for a day in the hospital and PLN 50 for the L4 day for PLN 60 a month.
Medical expenses for 20,000 euro for a week trip to Italy is less than 30 PLN.
AC occurs almost always in packages. Usually, you need to count an additional PLN 400-800 per year.
Summary
Call Mrs. Sabina (+48 508 092 969), approach any company that insures, or call a registered agent. If you do not know what you want then buy yourself at least "OC IN PRIVATE LIFE" for a minimum of tens of thousands. You pay for the average insurance for the average tire, and in return, you will walk, ride and sleep peacefully. Do it for yourself and for everyone around you. Thanks!
If you have any questions, advice, suggestions, ideas, you deal with cycling insurance - I invite you to the entry on Facebook:
