If my frame is damaged, will you replace it?
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A damaged frame is made whole under your policy, either repaired or replaced, which comes down to the material of the frame and the location and type of damage.
An aluminum or steel frame bent out of true usually leaves little to do except replace the frame. When the damage is confined to one section, it can be handled in kind: if the rear triangle of a full suspension mountain bike is damaged beyond repair, the policy pays to replace the rear triangle.
All the expenses associated with the work, such as the cost to disassemble and reassemble the bike once the frame is replaced or repaired, are covered by the policy.
How is a damaged carbon fiber frame handled?
A damaged carbon fiber frame is inspected by a carbon fiber repair expert who determines the viability and safety of repair. When the frame can be made safe, it is repaired; when it cannot, it is replaced. Cosmetic-only marks are a separate matter, which we cover in what counts as cosmetic damage.
Does the policy cover the labor to rebuild the bike?
The labor is part of the claim. Once the frame is replaced or repaired, the cost to disassemble the bike and reassemble it is covered by the policy, not just the price of the frame itself, so you are not left paying the shop to put the bike back together. How a crash claim is paid, as a repair or a total loss, is on our bicycle crash insurance page.
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