Personally, I'm most concerned about someone mugging me for a bike when cycling in London when stopped at traffic lights.
Second to that is somebody else walking off with my bike from transition at a race.
I don't see that either of these are insurable - anyone got any experience?
Another thing, anyone know of liability coverage when riding a bike? If I run over a pedestrian, am I / can I be covered?
Good points Kest. Bike insurance such as from British Cycling will cover your bike in a locked premises, when locked up outside with an approved lock during daylight (so not too specific then!) or if violence is used to obtain it, i.e. if some scally scum mugs you at a red light. That last point is the primary reason I insure my valuable/most used bikes.
You can also take out "Racing Cover" as part of this insurance which may well cover your bike during transition, though it would be worth checking first as I guess 'technically' your bike is unattended even if there are marshalls, etc.
Membership of an organisation such as British Cycling http://www.britishcycling.org.uk
or the Cyclists Touring Club http://www.ctc.org.uk
will give you Third Party Liability insurance which covers you if you run someone down or scrape up the side of some over-wide Beemer. IMHO I reckon EVERY cyclist should have Third Party or one day, should the unthinkable happen, you may find yourself with a large bill...
Anyway, none of this would help if my Ancient Anodised Antiqueâ„¢ got robbed...
A bike is for life, not just for Sunday