I recently discovered that USA Cycling (USAC) offers a variety of cycling related incident insurance packages. On their face, they seem like a reasonable price. For $260/year in the Ride+ and $350/year for Race+ you get “$0 deductible $50,000 insurance policy provides 24/7/365 on-the-bike coverage during non-racing activities including charity rides, gran fondos, group rides with your club, everyday commutes, and solo cycling adventures. ” coverage. But it doesn’t really work the…

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