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Cycle Cross

  • 31-01-2009 11:18pm
    #1
    t0mm
    Registered Users, Registered Users 2 Posts: 359 ✭✭


    Is a cycle cross bike a mountain bike or a road bike? It is ridden offroad, yet everything about it is roadie like. Need to know for the insurance, apparently "bicycle" isn't specific enough for them.


Comments

  • #2
    sean_d
    Registered Users, Registered Users 2 Posts: 208 ✭✭sean_d


    probably road - given that most of the components are road-based, and would have to be replaced by components from a road catalogue, should you have to claim.


  • #3
    scottreynolds
    Closed Accounts Posts: 2,001 ✭✭✭scottreynolds


    Just make sure that if they classify it as a road bike that you get them to put a note saying it also for off road use. Of course it depends on the insurance your getting.... If its for theft then its not a problem but if its some insurance that cover you during use then you got to be sure its clear its used both on and off road.


  • #4
    alfalad
    Registered Users, Registered Users 2 Posts: 1,104 ✭✭✭alfalad


    Lumen had a very good go at using it off road today! So it can take anything a mountain has to offer!!!


  • #5
    Lumen
    Registered Users, Registered Users 2 Posts: 31,230 ✭✭✭✭Lumen


    I'd expect that premiums are higher for mountain bikes because they're more "desirable".

    I wouldn't want my insurance to rest on the interpretation of two inaccurate terms, so best to disclose the full mfr spec, explain that it's a basically road bike with off-road brakes and tyres and let them make their own mind up.

    From my attempts today to use a cross bike for mountain biking, theft insurance is a bit academic, since you'd be dead before the bike got nicked.


  • #6
    dave2pvd
    Registered Users, Registered Users 2 Posts: 1,511 ✭✭✭dave2pvd


    Just tell them anything. They need to put an 'x' in a box so that they can process your form. It really doesn't matter one bit.

    What does matter: insurance companies place standard values on individual named items. For example, engagement rings and, yes, bicycles. You need to have a stated value on file. If the stated value is greater than their standard value ($800 in my case!), then they will require an appraisal to be done. A bike shop will do this for a nominal fee.

    Incidentally, since a CX bike has a frame very like a hardtail MTB, I'd call it closer to an MTB. Esp when you consider the tyres, canti brakes, compact crank, pedals.... The drop handlebars do look road, but that's about it, IMO.


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