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I have been to hospital a few times. I'd insure if i had to pay, or not and pay as I went. Which works unti lyou break your back or do something truly horrendous. Insurance then. Have ridden with a broken elbow, fingers, thumb, concussion, etc. Wasn't a fan of the grating bone and pitiful yelps it elicited.
The last time I went to hospital for a riding related problem was about 2004/5 which means one of two things, I'm a mincer or I'm AWESOME. I see more tags calling me AWSOME than a mincer so I think the answer is quite clear.
MTFU and think what would Jens do?
He'd say "Shut up, legs!"
Insurance? No different if you go riding on a foriegn holiday surely.
nope would carry on never had to go to hospital with a biking related accident mind you only had one semi serious bike accident and that was on a bmx landed funny and hard and bent my prince albert(not the bike) 😉 and there was no way i was going to hospital to get that sorted out waited for the swelling to go down and took it out with a pair of circlip pliers myself dead hard me(not really rolled around on the floor and cried like a girl when it happened). 😀
I see more tags calling me AWSOME than a mincer so I think the answer is quite clear.
It's the lightweight hardtail and being able to deal with the masses of "braking bumps" at Llandegla that make you so awesome don! 😉
There must be something. 😛