Rain Insurance

We ride rain or shine.

So usually we hesitate to even mention the word “rain”.

But we just did, so we offer optional rain insurance.

Here’s how it works:

If you wish you pay an additional $47.  On ride day if it rains 1/2” or more any time between 5 a.m. - 6 p.m. the insurance company pays you $370.  (Want a larger payout?  You can pay double the premium -- $94 -- and get double the payout if it rains: $740.  Your choice)

It doesn’t matter what you paid for the ride -- you get the payout. The payment will be made by check.

You do NOT need to show up on ride day to collect.  So if you wake up and it’s pouring, you can stay home and go back to sleep. We’ll mail your check to you.  (If you are on the ride's staff that part doesn’t apply to you -- you have to show up even if there’s a satanic firestorm).

If you bought souvenir clothing such as a racing jersey you still get that stuff AND the payout.  HOWEVER... if your racing jersey or T-shirt is being held at the finish line for you you’ll either have to pick it up there, have a friend grab it for you, or pay a modest fee to have it shipped to you after the ride. Don't forget that free goodies like T-shirts and custom racing socks are in limited quantities -- we can NOT guarantee that you will get those free gifts if you don't show at the finish line (but we'll do our best for you!)

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Photo by David Rabbiner of a cyclist cooling off under one of our rest-stop water stations

The Fine Print

This is real insurance, which we buy from a real insurance company.  These are reliable folks, but we pay you when they pay us. If the insurance kicks in they will send one large check directly to us. That means that we’ll send out your check as soon as we get our check and give it a couple days to clear the bank. (We trust them; we just can’t afford to lay out all that dough!)

Please remember that we are NOT guaranteeing that it won’t drizzle; we’re protecting you against a downpour.  

The rain is measured in Babylon, NY by professionals not affiliated with the insurance company or us. If it rains more than 1/2” the insurance pays off.

Clear as mud?  You bet!