My bicycle theft insurance also pays for regular checks, and routine repairs.
this post was submitted on 10 Dec 2025
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I wonder if it's because bicycle insurance isn't required and therefore needs to actually offer something in order to attract customers. It's probably unwise that we leave to capitalism the kinds of insurance which are so important they need to be legally mandated.
I self insure. I keep my state minimum and pay what I would pay in collision to myself in an interest bearing acct until I reach the replacement cost of the vehicle. Took a while the first time but after those first few years it has been worth it.
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I'm currently having some suspect cardiac issues, but my insurance won't pay for "preventative" treatment. I t seems I have to have, and survive, an actual heart attack, in order to be reimbursed for my treatment.
So, just like car insurance, where you can claim only after an accident.
It's fucking stupid and makes no sense, because AFTER an incident is far more expensive....
Well because if you crash right after making the insurance there won’t be enough in your “savings”.
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In Germany this is usually pretty well handled, you paid a bit more for full coverage and they cover all costs of repair etc. But if you're in lots of accidents each time your insurance cost rises. If you have little to no accidents for a few years, the insurance cost sinks. It is also mandetory for your vehicle to have insurance, avoiding sudden private insolvency.
To be clear, you need liability insurance for your vehicle, so if you cause harm to someone else their claims are covered. You don't need to have insurance for your own damages. The state doesn't really care about your solvency, only for the solvency of your potential victims.
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I don't mind paying for auto insurance, but I also get more out than I pay :(
I probably pay in 5-6k before my car gets totaled and I get a payout higher than that before I start the process again.
Just once I want to be able to keep a car to the point where it's actually paid off .....
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A lot of people can afford an insurance premium, and perhaps a deductible, but won't have enough for a $40,000 liability even if they saved for years.
What is suggested in this post is not much different from the past where poor people simply went on not having coverage and ended up in indentured servitude working off debts with manual labor like picking rocks. It's also just a thread away from Health Sharing Ministries, which is just a catastrophic failure whose nuance cannot be accurately depicted in a short comment.