Cycle guard insurance

Gw-470
Gw-470 Posts: 2
edited June 2016 in Road general
Morning all.

I've woke up this morning to find the shelving collapsed in my shed causing some damage to the top tube of my carbon bike.
I have accidental damage cover with cycle guard but since looking into it there are a lot of horror stories about them.
Anyone had any experience with them and if they do pay out is it likely to be just a new frame or complete bike?
Thanks. Gw

Comments

  • If only the top tube was damaged and a frame is available why would an insurer pay out for a new bike? Equally wierd is why would anyone claim for a new bike if only the frame was damaged and could be replaced?