Do you cover apparel and spare parts?
Yes. If you purchase Bicycle Physical Damage coverage, you will automatically also receive coverage for spare parts (items that are normally part of the insured cycle but were not on the cycle when the loss occurred) and apparel (clothing or gear worn exclusively when riding the insured cycle). Spare Parts and Cycle Apparel coverages will each have a separate limit of $500 per loss and a $1,000 limit for the policy term. These coverages are triggered when there is a loss to the bike that exceeds the policy deductible.