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Bike Insurance

Hello everyone

Was recently looking into bike insurance, i noticed it was generally pretty cheap for a cheap bike (obviously). But what i'm wondering is the extent of the cover if i should have an accident? The small print from the various providers i have tried tends to be pretty vague on the matter. Does anybody have any real life experience with claiming on insurance after an accident?

Assuming in this case that there was no other vehicle involved

Thanks

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