Bicycle insurance - what is covered?

When determining the value of your bicycle for insurance purposes, it’s important to consider everything that’s typically attached to your bike during rides, along with certain items that aren’t always physically connected but are still considered cycling accessories, such as a bicycle trailer. For instance, a bicycle trailer can be quite costly, so if you want it to be covered under your insurance policy, make sure to include its value in the total insured amount for your bike. Additionally, Velosurance policies cover your wheelsets—especially if you use different wheelsets for racing and training. By including your racing wheelset in the insured value, your training wheels will automatically be covered as well. Cargo mounts, baskets, and panniers are also included in your coverage, though generally not the contents within them. For example, if you’re a touring cyclist carrying non-riding clothing or camping gear, those items wouldn’t fall under cycling-related coverage. Similarly, if you commute by bike and carry street clothes, a laptop, or tablet in your panniers, these items are not considered cycling-specific and therefore wouldn’t be covered by your policy. Here’s a quick overview of what’s covered: - **Bicycle Trailers**: Expensive and essential to include in your insured value if you want them covered. - **Wheelsets**: Racing and training wheels are both covered if the racing set is included in the insured value. - **Cargo Mounts, Baskets, and Panniers**: Covered, but their contents usually are not unless they’re specifically cycling-related. Other accessories like lights, cameras, GPS units, power meters, and other gear used during regular rides are all covered under Velosurance policies. Every component attached to your bike is also protected. Even small details like handlebar tape, pedals, and seat posts are included in the coverage, ensuring that your entire bike setup is safeguarded. It’s always wise to check with your insurer to confirm specific inclusions, especially for high-value items like custom-built frames or specialty components. In summary, Velosurance ensures comprehensive protection for your bicycle and its accessories, making it easier to enjoy cycling without worrying about unexpected costs. Whether you're a competitive racer or a casual commuter, having the right insurance can provide peace of mind. Curious about how much coverage you need? Get a free instant quote today and see just how affordable quality bicycle insurance can be. --- **America's best bicycle insurance** Free instant quote

Phenol

Phenol is both a manufactured chemical and a natural substance. It is a colorless-to-white solid when pure. The commercial product is a liquid. Phenol has a distinct odor that is sickeningly sweet and tarry.You can taste and smell phenol at levels lower than those that are associated with harmful effects. Phenol evaporates more slowly than water, and a moderate amount can form a solution with water. Phenol can catch fire. Phenol is used primarily in the production of phenolic resins and in the manufacture of nylon and other synthetic fibers. It is also used in slimicides (chemicals that kill bacteria and fungi in slimes), as a sanitizer and antiseptic, and in medicinal preparations such as mouthwash and sore throat lozenges.Phenol is an important organic chemical raw material, which has important applications as chemical raw material, alkyl phenol, synthetic fiber, plastics, synthetic rubber, medicine, pesticide, perfume, dye, coating and oil refining industries.In addition, phenol can also be used as a solvent, experimental reagent and disinfectant.

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