[–] SkinnyMagna [S] 0 points 1 point 1 point (+1|-0) ago (edited ago)
I've already got life insurance and beneficiaries sorted. There is no estate to speak of, I don't own (or need) much. If anything, the family would squabble and try to shove the shitty ikea furniture off on each other.
It's also a good idea to have full-coverage (including medical) accident coverage. Financially cover your bases, we are agreed.
Riding is unquestionably dangerous. Planning for the worst should be part of the process. That's why I harp and fuss about gear. Before even insurance, gear first. Stout, hard, well tested gear is the best insurance possible. It doesn't matter how great a rider you are, you will go down at some point. Be dressed for it. I'd rather someone take my advice and walk from an accident, than be a well-insured statistic or cripple.