it just don't make sense!!
just called up one provider, and have been told that i won't be covered if i am riding 'vertical' paths...
when i asked what constituted a vertical path, i was told that i would have to make decisions before i rode any path as to whether it was 'vertical' or not.
i was also asked whether i was riding a specialised bike or not.
eh?!
now i know i could go to dogtag etc, but i refuse to pay £80 for a policy, when i could pay £25...
how confusing...

