Whether you like ambling about on your bicycle for fun or if you’re training for the Cape Tow Cycle Tour, knowing how to stay safe is the best way to enjoy your time cycling.

An increasing number of South Africans are taking up cycling as a hobby and are purchasing bicycles fit for their lifestyle. Whether it be for environmental reasons, saving petrol when commuting to work, to simply have fun or to compete in sport races, thousands of South Africans are fully immersing themselves in this trend.

But it doesn’t matter whether you’re a beginner or a seasoned cyclist we want to make sure you’re always safe, wherever you may find yourself, which is why we’ve put together this list of safety tips.

Safety tips for cyclists

  1. Like any vehicle, a bicycle needs to be serviced properly before you embark on any major challenge, or when parts start to get worn. Make sure you get your bike checked out.
  2. Always obey the road rules with respect to cycling. You could start by familiarising yourself with these Cycling Rules of the Road and Road Safety from Arrive Alive.
  3. Always wear a helmet while cycling. Cycling without a helmet has been illegal in South Africa since 2004.
  4. Make sure you are always visible to motorists.
  5. Keep your friends and family informed of your plans, whether you’re going for a long or short ride. Let them know which route you intend to take.

How to insure your bicycle:

  • You must specify the insurance cover for your bicycle on your policy with your insurer or intermediary;
  • One can also insure paraphernalia/gear relating to your bike, such as a helmet – this must be clearly specified in your policy;
  • Note whether your bicycle is used for pleasure purposes only or for professional use in competitions;
  • Know what the current replacement value of your bicycle is and insure it for the same value;
  • You will be asked to share the following information with your insurer in order to make sure you are adequately covered:
    • Make, model, serial number, sum insured (replacement value of your bicycle);
    • Type of bicycle, for example a mountain or road bicycle.

Insuring with Santam

At Santam, your bicycle’s insurance cover will be specified under the ‘All risks‘ section of your insurance policy. This means it will be covered regardless of where it may be stolen. Santam has a specific category for bicycles where they can be insured comprehensively. Sporting gear related to your bike, such as helmets, can also be specified.

Article credit: https://www.santam.co.za/blog/what-we-do/keep-your-bicycle-and-yourself-safe/