Bicycle Insurance

The world of insurance is not limited only to home, bike or car. Goods which can ensure numbering in the dozens. Tourists can meet your travel, people can protect your pet with a pet and the self-employed insurance shielding your business.

That also can be sure before crowd of risks are lovers of bicycles. Coiling a pedestrian and that this requires you responsibilities, have an accident and not being able to continue cycling or suffer a burglary are some of the situations in which comes into play the safe bicycle.

What is bike insurance?

Bike insurance is an insurance product that can cover not only the vehicle against a possible theft or damage but also the rider that could be involved in an accident during the practice of this sport. Is intended, mainly, for those who using the bike regularly or who are in possession of a great value bike.

Basic coverage of bike insurance

Establishes basic insurance coverages each insurer when designing their products, allowing the user to add more coverage depending on your needs. Now, how many more guarantees include safe, the higher the price of the premium. As a general rule, the basic insurance for bikes includes the coverage of Social responsibility, travel and legal expenses assistance.

Civil liability

Liability coverage protects the rider from the damage they can cause to a third party during the development of the activity with a limit which is usually set at more than 150,000 euros, although the amount will depend on what each insurer set.

This coverage is responsible for the monetary amount with which you would have to compensate the injured party as a result of the evil that is could have caused him, as for example, the inadvertent trampling of a pedestrian.

Travel assistance

The travel assistance guarantees the cyclist that will receive assistance in the case that you suffer a mishap during practice this sport. It is near or away from your home, in your own city or anywhere in the world. The territorial scope which covers this coverage depends on each insurance in particular, there are some that includes every country in the world and others that restrict it to those belonging to Europe. There are companies that to assist demand that the insured is some distance from your usual address, at least a couple of kilometres, but there are others that make it effective from 0 km.

Travel assistance coverage tends to be in charge of:

  • Medical expenses abroad after an accident.
  • Repatriation or transportation by death.
  • Medical transport of injured in accident.
  • Return early because, among other cases, the event of a serious accident in the home of the insured or the death of a family member.
  • Expenses for travel and subsistence of a third party at the place where the insured is hospitalized for a minimum period.
  • Location and rescue by disappearance of the insured.

Legal defense

An accident while it is riding a bicycle, causing damage to a third party and if it decides to put a claim is one of situations in a cyclist can see them involved. For this reason, bicycle insurance usually include legal expenses coverage, which helps and advises the insured providing a lawyer who will represent you and will defend during the process. It also tends to include telephone legal advice which allows the client to talk to an attorney should you have any questions.

Additional coverage of bike insurance

Bicycle insurance, like many others, allow the additional recruitment of more or less coverage in order to make them more complete. Thus, in addition to the warranties that usually sell most of the companies in their offer more basic, there are others that will increase the price of the policy but also the safety of the rider.

Damage and theft

It should damage the bicycle, the insured will cover, to the insured limit, the cost of repair or replacement of the picture or the compensation for bicycle parts. On the other hand, if it is stolen, the usual is that the company respond for this offence if it has occurred inside or outside the home as well as common as garages or storage areas. Now, whenever the bike is subject to a fixed item by a chain or approved padlock.

Plastic and reconstructive surgery

If as a cyclist accident saw damaged or deformed part of their body surface area and need surgery to get rid of the marks, the insurance company would compensate the customer for medical expenses long as has this coverage.

Medical expenses

If the insured is forced to stay entered in a Center as he recovers from injuries sustained in an accident, the company shall indemnify the cyclist with a daily maximum amount for medical, pharmaceutical or hospital expenses generated during a period of time, that usually patrol the 90 days.Both the dollar amount and the maximum period during which the insured will receive compensation the company fixed them so can vary from one to another.

Disability or death

Bicycle insurance can also include a compensation in case of invalidity or death of the insured. The amount that can be received in the event of invalidity will be shorter or longer depending on the severity of this and will apply depending on the scale of injuries, while passing the insurance will indemnify to the beneficiaries of the victim with the contracted amount.

Staff assistance

Through personal assistance coverage the company commits to search a person who helps the insured to perform their daily tasks during the time that can not be performed by itself as a result of an accident with the bike.

Bicycle and home insurance

Many times a person sees no need to hire a bike insurance either because it does not give much use, not likely see needing to be rescued at one time or in case of an accident would be covered by your life insurance from Mississauga. But and if it’s a bike of great value that is stored in a storage room or in a communal parking? If it was stolen, or the policy of home or communities of neighbours insurance would respond by.

The only course by which a home insurance covers the theft of a bicycle is if the insured has contracted housing content coverage and it is inside or in a storage room or garage private, closed with key and exclusive use of the insured. In addition, these places must remain in the community than housing.

Should inform the insurance?

Now, the value of the bike is a fundamental requirement that causes it to change the way in which this is covered by the policy of home. If your price is around 2,500 euros the insurer required to be informed of the possession of it and the owner will have to declare it as an object of special value. If the price is less than the 2,500 euros it is not necessary for the insured to notify your company’s holding of this asset.

Bike safety

In Spain, 3 out of every 4 people has, at least, 1 bike and 3 million Spaniards used it in their day to day, according to the Barometer annual of the bicycle of the Directorate General of traffic (DGT). Respect traffic rules and use extreme caution is key to travel insurance by bike. But for care that you have and experienced that it is there are things that are beyond the control of each one and which depend on other drivers or pedestrians.Bike insurance is a way to protect against possible accidents. Although if this policy home insurance, if you have it, is not a good choice of shielding the bike theft, provided that the necessary requirements are met.

A cyclist died after a power saw cut him a leg

The accident occurred on the sector mouth South of San Pedro de la Paz, when the cyclist manipulated the tool in a wrong way and caused him severe injuries.

A serious accident occurred during this Sunday, that eventually cost the life a man, identified as Carlos Cifuentes Astroza, product of his serious injuries, when a saw severed him a leg, which was handled incorrectly by a co-worker.The incident occurred when both men were working at a construction site and his colleague manipulated the tool, causing her leg cut, after which was transferred by staff of care, emergency medical service to the office of the sector and then to the Regional Hospital of Concepción.In the Medical Center did all the work to try to save his life, but loss of blood caused during the morning he died.

The colleague’s work initially was arrested for his responsibility, however was then left in the wild, since it was considered to be an accident. The investigation will continue.

Makrolon in protective glazing and glasses

MAKROLON is a polycarbonate that was invented and patented already in 1953 by chemist Hermann Schnell. The wide range of applications and a variety of advantageous properties make that this technical plastic of Bayer Material Science can be used in many products. MAKROLON is ideal for optical data from the CD to the DVD, as well as for medical equipment. MAKROLON is transparent like glass but much lighter.
It is the break and shock resistant, thermoplastic and does not deform under high temperatures. As you can also color and easily provide a scratch coating is especially well suited for the manufacture of glasses, prescription sunglasses and sports protective eyewear of high quality. Easy processability just mark limits to the possible designs and shapes, almost any fashion is workable. In the world of optics, Makrolon of high purity and quality LQ (Lens Quality)) allows a safe and optimal vision for glasses to work, sports and leisure.
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A cyclist runs field through well protected by sports glasses of uvex Makrolon made by secondary glazing London

Sunglasses and eyewear lenses: an invention for the cultural advancement

The invention of sunglasses as vision correction has been a cultural breakthrough for mankind. Although currently not is you can determine exactly when emerged the first optical AIDS, it is known that already in ancient times there were objects that were also used as Visual AIDS. Used balls of quartz that served as “reading stone” because with them was achieved increase the size of the letters. Requirements for glasses and lenses are higher today, as in an advanced society the eyes must be protected of particles and radiation visible and invisible, and in the workplace also corrosive chemicals. The sunglasses so functional scope is broad, goes from the simple sunglasses, through resistant to blows and breakage sports goggles to glasses high performance for work protection. Only the protective work glasses range from full, passing gas glasses vision goggles, antacids, welders, goggles, anti-radiation and laboratory, to combined corrective glasses. As material Polycarbonate, imposed because it is lightweight and can be carried comfortably even during long periods of time. Thanks to the possibility of providing a coating to the polycarbonate Makrolon as, the intended use of the glasses, as the UV absorption, an extreme scratch resistance, resistance to chemicals as well as a treatment lasting anti-fog lenses of plastic can be guaranteed. In recent years, the demands for labour safety glasses have risen considerably, so that safety glasses are becoming increasingly combined correction and safety glasses. Fine Bayer Texin plastic corrective lenses may represent an alternative to combined correction and safety glasses, because they are simply attached to sunglasses lenses. This economic variant also allows optimal protection and a good vision closely.
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Quadruplets assets: dogs must also protect your eyes from harmful rays and particles of dust…
More and more people rely on glasses also in sports and leisure activities. The ones using them as correction of vision defects, other them are consciously as eye protection to fashion or by its utility.Sporting sunglasses and Sun on current trends the colors are being imposed. The blue, red and yellow crystals, in addition to classic dark glasses, are particularly demanded. Crystals with colouring, also in vivid colors, serve to protect the eyes from harmful UV radiation. High quality sports sunglasses are adjusted precisely to the different weather conditions encountered during sports activities. Therefore, for practically any sport and the corresponding possible weather conditions there are glasses adequate with appropriate crystals. Makrolon materials guarantee the realization of the functionality and security. For example in case of good weather: cyclists often prefer the clear crystals for circular power without problems both at noon in the light of the Sun and in the afternoon with the sunset. To be prepared for all kinds of situations, some manufacturers, such as, for example, Uvex Sports, in cooperation with the manufacturer of plastics Bayer MaterialScience, also offer sport sunglasses with interchangeable in different colorations crystals. The crystals can be easily changed. This means cyclists in the morning they come out with a staining glass clear, at noon placed one more dark and at night perhaps only a glass without color. This involves eye lightening their work, as under strong sunlight dark glasses reduce eye fatigue and lengthen the ability to concentrate. In diffuse, like rain, fog or snow light, yellow or orange crystals allow better vision and sharper contrasts. Thanks to the filtering and the reduction of the blue component of the light, it is possible to have a particularly ‘natural’ view of the environment. Glare reduction is considered a reinforcement of contrasts, without affecting the peripheral vision. In sports, safety is important: sports Sunglasses made of Makrolon must overcome a demanding uvex laboratory impact test before considering that they satisfy high levels of quality demanded by manufacturers and researchers. These tests checks the extraordinary resistance of this material. Simulates an impact of stone on the material at a speed of nearly 45 m/s.

Plastic instead of glass – Makrolon as a safe alternative

Originally only glass was used for the production of lenses for eyeglasses. Glass, an organic material that, at low temperatures, is rigid and brittle, can be manufactured in the most diverse qualities, adding chemicals to a mixture base fused quartz sand, which can also be made for the manufacture of glasses glasses.However, the glass has some decisive disadvantages against the plastic.It is quite heavy and it can be processed as well as, for example, a polycarbonate Makrolon as. In addition, a fall with glasses, normal or sports, glass is comparatively more dangerous. Glass breaks the first impact on hard materials and can be fragmented into thousands of pieces and pieces of glass that can cause serious injury. The first plastic that was employed as a glasses lens was marketed in the 1940s under the name “organic glass” and is included in the category of the thermosetting materials. The elaboration as glasses was done in a process of brewing between surfaces of glass polished optically. In the mid-1980s, a special version of the polycarbonate Makrolon from Bayer in “Lens Quality” turned out to be the ideal material for the realization of sports sunglasses and Sun of high quality as well as lenses for conventional mounts to read.
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Modern sports polycarbonate glasses – functionality and safety at the highest level
Easy processability of the material is another advantage in their favor. All versions Makrolon LQ can be processed in an economic process of molding by injection, manufacturing glasses in one piece. Complex geometries can also be performed without problems, there are no limits to the design of forms. Also the corrective lenses for nearsightedness or farsightedness are manufactured as well. Corrective lenses are manufactured as a finished lens or lenses in the rough. Just polishing them according to instructions from the ophthalmologist or optical to make them fully functional. When the lightweight polycarbonate Makrolon replaces the heavy glass it shows at the time lead glasses. Even the current trend towards rimless glasses is no problem, because Makrolon lenses endure drilling without break.

In addition here is especially advantageous the Crashworthiness of Makrolon, these glasses, in case of impact on the ground, are not protected by a mount and therefore must be especially stable, that Yes, with a complete view.

Lance Armstrong sold his villa in Austin

Lance Armstrong asegura vivir una vida cotidiana tranquila.

Lance Armstrong has sold his Mauritius luxury villas in the outskirts of Austin with the price of   2.370.000 to the Koehler, an agent of the oil and gas industry to cope with the demands of the newspaper ‘The Sunday Times‘ and of the insurance company SCA Promotions, which denounced the former cyclist until his confession made public.

The estate is valued at 7.6 million euros and the sale has been confirmed by the spokesman for Armstrong, Mark Higgins, who added that the Texan plans to continue living in Austin, where he has another House, in addition to properties in Spain and in the South of France.

Armstrong asked recently to a court in Texas who refused the demand of SCA Promotions, that tries to recover the nine billion euros which paid him believing that had fairly won seven Tours. In February also it became known that the United States Government intends to join the lawsuit for embezzlement of public money.

BICYCLE ACCIDENT COMPENSATION

Indemnización por accidente de bicicleta

As it happens with accidents in motor vehicles and with pedestrians, bicycle accidents victims are entitled to compensation.

Provided that the victim of a bike accident is not responsible for it, it has the right to be compensated for the personal injury and property damage suffered because of the accident caused by a vehicle motor.

With respect to the injury, the compensation that can be claimed are varied. Thus, from small fractures and injuries to death, there is a wide range of personal injury for which compensation of varying amounts can claim. Injury very mild, for example some courts, they could claim around 1,200 euros, by varying this amount depending on the recovery time of the injury, the age of the victim, etc. On the other hand, in the case of more serious lesions, which leave permanent and disabling, sequels may claim compensation of more than 300,000 euros, varying depending on various factors of correction and attendant circumstances.

In addition to the previous compensation, the victim is entitled to charge for each day that an amount of 71,63 euros is hospitalized. Also, it shall be entitled to charge 58,24 EUR for each day that can not carry out his habitual activity concept of preventive low. And for every day that can play your usual activity, but has not fully cured, will be entitled to collect 31,34 euros, down not preventive.

On the other hand, it is entitled to collect a compensation covering the cost of bicycle repair. Also, if other material goods were damaged because of the accident (mobile phone, watch, glasses, etc.), you can also claim compensation for them. 

Aid and bicycle accidents

Sequelae of injuries in a bicycle accident are very spacious. In any case, the victims who are disabled for life to work, to carry out the most basic activities of life or that they die, they are more common than we would like to.

Either way, victims of bike accidents can have right to certain aid, if the consequences of his injuries are very serious. Thus, people who become great invalid, because of the accident may charge a non-contributory pension and certain AIDS (for assistance, pharmaceutical expenses, etc.).

Also, in the event of death of the victim, not only relatives may recover damages to compensate for their loss, but they also have the right to enter in the protection of the Social security system.

Personal injury attorney Boca Raton is a popular and reliable law office for those who get accident, they will take on the responsibility of working on your case and are able to guiding you through the process of obtaining compensation for your personal injuries and damages.

WOMAN CYCLIST LOSES TEETH IN ACCIDENT

A woman was injured then it will impact against a vehicle as it traveled, with two children, on a bicycle in the opposite direction, who lost part of his teeth strong impact.

The accident occurred yesterday at noon when Jaquelín Santis Cruz from 21 years of age, traveling on a bicycle along with two best of age, on a track in the opposite direction.


In spite of this, when you reach the crossroads with a busy Avenue, it did not respect the signs and ended up impacting is against a pickup truck of luxury, where she and the best two fell to the pavement.

Santis Cruz as to who was driving the bike, was severely injured in the face, by which had paramedics of the Red Cross to meet it, who determined that it should be moved to the Integral Hospital.

According to the paramedics, his State of health was stable, however lost part of his teeth and needed to receive more comprehensive medical care in the hospital emergency department.

Meanwhile, Municipal roads officers arrived on the scene to address the accident, given that the vehicle, a pick-up truck Honda color cherry, with plates of DRX3917 circulation in the State of Chiapas, suffered damage to its bodywork.

Thus also bicycle where travelling three people suffered severe damage, so he had to take turns to an agent of the public prosecutor’s Office to be responsible for determining responsibility.

If you are in the same case of this woman, Visit Website to have the best advice and treatment from experienced dentists so that  you can achieve and maintain excellent oral health, as well as reaching your cosmetic goals.

 

Diet for cyclists

The high demand for cycling requires a diet balanced and controlled. Follow these tips to afford this activity taking full advantage.

The power of athletes is essential for good performance. It cycling is a very demanding sport, the cyclist must face rhythms sustained pedal for a long period of time, be able to raise and lower slopes and be able to perform sudden accelerations or sprints on each stage. The success of cyclists depends on its ability to endure all these demands. For this reason the diet of the cyclist made from best indonesian food singapore should consist of a balanced diet and control the energy expenditure, essential to maintain an optimal cycling activity.

The body of the rider, to maintain constant pedaling, using aerobic energy metabolism. The body is able to get energy to do the exercise in the presence of oxygen. Hence, the energy consumption of a cyclist is very high. It is very easy that it is incurred lower energy costs to calorie intakes, since physical exercise not always increases the appetite. Therefore, the rider should take appropriate nutrients paying attention to the amount of carbohydrates.

Daily feeding influences, significantly, the performance of the rider. A proper diet, in terms of quantity and quality, before, during and after the training is required for optimum performance. Also, should take into account, hydration, to avoid excessive loss of fluid and minerals.

Before the effort, the minimum period between the last meal and the practice of cycling It should be 3 hours, to avoid digestive problems and lack of energy. For this reason, you must take a not-very-heavy breakfast rich in carbohydrates, such as: fruits or dairy zuma, cereals, honey, water, ham, cheese, coffee last egg or you.

During the practice of cycling, They will feature opportunities for eating and drinking. During the competitions, meals, supplementation and hydration must plan during the race. The body will need more energy, so you need water and sugar for this reason, it is advised to take an energy drink every 15-20 minutes. Sports supplements are a way to easy to provide energy to the body, which most commonly used are, in addition to energy drinks, sports gels, bars them, concentrates or nutritional shakes, supplements of vitamins and minerals and electrolyte supplements.

Concentrates are more efficient that you energy bars them and is recommended consumption every hour, the difficulty or 30 minutes prior to arrival.

Once completed the effort, it can eat a milk or energy, a bar accompanied by an energy drink or sparkling water.

During the day, powers with some snack can be recovered as fruit juice, yogurt, bread, cereal or crackers dietary bars. At night, recommended the consumption of starches (rice, pasta or semolina), to meet the needs of carbohydrates, vegetables cooked or in salad, protein (120-150 grams of lean meat, fish or poultry, or croquettes) and a dairy.

The advice from a sports nutritionist can help the athlete to take good nutritional planning, that takes you to minimize risks and improve performance.

Pacific bicycle for disability

 The HandBike is one of the sports most practiced by people with disabilities. It basically consists of cycling with a specially adapted bicycle to be driven with the hands. Pedals are located at the height of the arms, and the user is comfortably seated in a seat that gives enough stability that they have two rear wheels.
The advantages of this sport are numerous. On the one hand it’s a very full year of all the upper part of the body and on the other hand is a sport that allows you to enjoy nature, be practiced in the company of friends with or without disabilities, and even many people arrive to compete. And it is that, don’t like who ride a bike?

In this story we want to tell you of a brand that just arrived in Spain, Pacific Cycles, and which is specialized in the manufacture of special bikes. And in particular we want to fix on a product that has drawn us much attention and is its Handy handbike. One of the main problems of the handbike are their prices, and it is that easily can cost us € 3000 a product of this type. However, there are a lot of people that want a bike to just do a little sport or take a walk calmly, without pretensions of competing. And it is here where fits perfectly the Handy, since it is probably one of the cheapest handbike in the market with a retail price recommended €1290.


The cell phone is ideal as a first bike model, to be introduced in the sport and for people who want a handbike to leisure time.
Among the technical features we can highlight its change NEXUS in 7 marches, which has the peculiarity that it’s an internal change in the bushing. Among the advantages of this change is that you can change in standing and 7 ° to 1 ° if desired, since it should not skip the chain.There is less chance of that coming off the chain, since there is a single sprocket and dish, the chain does not move. It is a development of the 244%, it is equivalent to a change of 2 dishes and 5 sprockets. In addition this change requires not just maintenance

With regard to brakes, say that it has two brakes for safety: one handle (typical v-brake) and one drum that can be operated by pedaling backward.

Of course, this bike is fully adjustable and is adapata to any size. You can:
-lengthen and shorten the chassis
-up and down the manual pedals
-Zoom in and out the seat
-adjust the inclination of the backrest
-Zoom in and out the reeposapies

 

These details make make it suitable also for children, since although they grow you can
grow bike, within certain parameters.


The bike weighs 17kg. and its chassis is made of aluminium 7005 T6

We come to another important point, which is its portability. Without tools, systems “Quick Release” can remove the rear wheels, seat and backrest. So it may be in medium-sized cars down the seats and is more or less flat. In addition, with tools you can split in half.

Accessories included are: bottle water, pennant holder, belt and safety packages.

 

And finally also highlight that there is available a version of high seat. Of course we are before a bike totally recommended to put us in this world without any complication, and at a reasonable price. If you are lack of budget, we can help you with benefits canada disability

In addition to the Handy, Pacific has two other special bikes models also will be marketed in Spain, the Micah and 2-Rider
Micah is a tricycle for children and adolescents with cerebral palsy.Facilitates a new way of moving, a mode of healthy and fun to gain independence, confidence and mobility.
2-Rider is a vehicle designed for two users pedal together. It is intended for mentally disabled that must be accompanied by a monitor.
Handy and Micah models are available starting in September, with a deadline of a week. Model 2-Rider will be available in 2015

Introducing the bike works

Bike Mechanic Wanted Ad

Cycling is fun and is a great way to travel. But for some people bicycle is more than a hobby or a form of transport-it is a job. Since the bicycle mechanic of the neighborhood or an urban bike glider, to the people who design their bicycle frames, there are many works related to bikes… but they are not so easy to find. Today we’re changing that.

To help you in your search for bicycle-related, are thrilled to announce a new feature of Ride the City: bike works. Bike works is a free service that lets you find (or list) a job that has something to do with bikes.Our goal is to provide you with a listing of works that anyone can use to find or list a career in the bike industry.

You can be thought, why create another listing of works service if companies like Monster and Craigslist have been doing for years? Our short answer is that none of these companies focuses on the bike. In those places, if you search the word “bicycle” as a search term to look for a job, the result can be a position at Harley Davidson. With bike works, we moderate each listing to make sure that the content is relevant.

Features include:

  1. You can search jobs by industry, country, State, or search term
  2. You can list positions or part-time or full-time internships
  3. Optional start/end dates allow you to control when the position is listed or when it expires (otherwise, the position expires in three months)
  4. You can enter the URL of the listing of jobs original (if it exists) to direct users to your own web site
  5. Did we mention it’s free? 100% free

We hope that bike works, has found an easy and practical instrument. Good luck in your search!

«Friendly» divorce for the cyclist Lance Armstrong

Lance Armstrong y su esposa Kristin , el pasado mes de julio
American Lance Armstrong, quintuple Tour de France winner, and his wife Kristin, decided to end their marriage of five years through a friendly divorce procedure. According to the cyclist, the couple separated soon after returning to Austin, Texas, from his Spanish home in Giron.
“We have a joint legal representation prepared by Divorce in Arizona, AZ for a friendly separation,” said Armstrong. “The most amazing thing is that we are closer and more friends than ever. We want a good relationship but not marriage,”he insisted. “It is an unfortunate situation but we are trying to extract the best for the good of our children ‘, estimated Meanwhile Kristin.