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Do you cover my apparel and spare parts?

Yes and at no extra cost, but you must have bicycle physical damage coverage. The bicycle also must have been involved in a covered loss for you to be able to claim on apparel or spare parts. Both coverages have a separate limit of $500 per loss and a $1,000 limit per policy year. Apparel (clothing or gear worn exclusively when riding the insured bicycle). Spare parts (replacements for items that are normally part of the insured bike but were not on the bicycle when the loss occurred)

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