What if I want my damaged frame replaced?
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You have a real choice in how the claim is settled. If an inspection determines that a repair can be completed in a way that will not affect the bike's safety or integrity, the policy reimburses the repair cost along with all other costs directly associated with the loss.
How you choose to spend the claim reimbursement is up to you. If you would rather not have the frame repaired, you can put the reimbursed amount towards the purchase of a new frame.
How is the decision to repair or replace made?
It starts with an inspection. 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, and when it cannot, it is replaced. How the frame material and the location of the damage shape the outcome is covered in how a damaged frame is handled.
Can I put the reimbursement toward a new frame?
Yes. The reimbursement is yours to direct: have the repair done, or apply the amount to a new frame instead. Whichever route you take, the costs directly associated with the loss, such as the labor to disassemble and reassemble the bike, are part of the claim. Our article on carbon fiber frame repair covers the repair-versus-replace question in detail.
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