Consider policy deductibles and waiting times when shopping for Nationwide bicycle insurance. You can find information in this article. The policy deductible will affect the payout amount, which depends on the value of your bike and the insurer’s approach to personal property losses. Some policies pay out up to 100% of the actual cash value, while others pay as little as 20%. Read on for some tips to get the best coverage. Listed below are some of the best companies and policies available. Remember to compare the prices and features of each policy to get the best value.