Can I insure only my frame?
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No, you cannot insure only your frame. The policy is designed to cover the complete bicycle, so insure it for MSRP plus the value of all upgrades and permanently attached accessories.
The caveat worth knowing: insuring only the frame counts as under insuring, and that has a real downside the moment you file a claim.
What happens if I insure only the frame?
Picture a complete $7,000 build whose frame alone costs $3,600, insured for just that $3,600 with a $200 deductible. You crash the bike and destroy the frame. Replacing the frame costs $3,600, which the insurance company treats as a total loss and pays in full less the deductible — a $3,400 claim. Because it is a total loss, the insurer takes possession of the entire bicycle, not just the frame. You ship off the whole bike and are left with $3,300 to replace a $7,000 ride.
How much should I insure my bike for?
Insure the bicycle for as close to MSRP as affordable, counting the full build plus any upgrades and accessories you have added. That keeps your coverage matched to what it would actually cost to replace the bike, the same approach behind insuring at current replacement cost.
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