If my frame is damaged, will you replace it?
This largely depends on the material of the frame as well as the location and the type of damage. For example, if an aluminum or steel frame is bent out of true, there is little that can be done except to replace the frame. If the rear triangle of a full suspension mountain bike is damaged beyond repair, the policy will pay to replace the rear triangle. When a carbon fiber frame is damaged, it will be inspected by a carbon fiber repair expert to determine the viability and safety of repair.
All the expenses associated with the repair, such as the cost to disassemble and reassemble the bike once the frame is replaced or repaired is covered by the policy.