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When figuring out what value to consider when insuring your bicycle you should include everything normally attached to the bike when you ride, plus some things that are not always attached but can be considered cycling accessories, such as a bicycle trailer.
Bicycle trailers can be expensive and should always be considered in the bicycle insured value if you want the trailer to be covered accessory.
The bicycle insurance policy will also include your wheelsets, especially if you race on one wheelset and train on another. Include the racing wheelset in the bike value and the training wheels will be covered.
Bikes racks and panniers are also covered but usually not their contents. If you are a touring cyclist your non riding clothing and camping gear would not be covered and likewise if you commute to work by bike and carry street clothes, laptop or tablet in the panniers these items are not cycling related and would not be covered by your bicycle insurance.
- GPS units
- Power meters
- Other accessories
that are used in your normal riding are all covered items.
Every component attached to your bicycle is also covered by a Velosurance policy.