Insuring a special construction / custom bike

Anyone that carries liability only...I guess you're not worried about your bike getting stolen, or destroyed in an accident.

It was really just a rhetorical statement, and everything that you said makes perfect sense, but for piece of mind I'd rather pay the premium for full coverage on a SPCT titled bike than know at any minute I'd be out however many thousands of dollars that went into it.

I don't ever build/buy SPCT bikes, so it's of no concern to me, but no matter what bike I had, as long as I have enough cheese in it, I'm going to fully cover it.

That's just a matter of opinion.

Englishman said:

For what it's worth, I've never had more than the legal minimum on any of my bikes period. If I break it, I fix it. So far I've avoided other people trying to break it. Also never had a brand new bike in the US, so no mandatory insurance.
I had to use Progressive for my 'assembled' Shovel.

Click to expand...

Yeah, but we're talking either someone stealing it or damage that is beyond repair. Most people on this site are competent enough that barring something out of their control, would fix their bike before claiming it on insurance, so that's something that should remain unsaid.