If I rent a bike is that covered?

If you are participating in an organized or competitive event more than 50 miles away from home and your insured bike is not rideable due to a covered loss, we will reimburse you for your bike rental. For extra peace of mind, we will also provide the same coverage to your temporary/substitute bike that you have on the insured bicycle. (The temporary/substitute may not be owned by you and must be used with the permission of the owner.)