| I've ridden many different types of bicycle from fixed gears, single speed mountain bikes and more traditional mountain bikes and racing bikes. Recumbent is horrible to ride in traffic (you are below the height of most traffic) and the handling is atrocious. Yes they are maybe more efficient but they are not pleasant to ride. TBH the current design is efficient enough, is well understood both in terms of the technology. Almost all improvements now are iterative. Also more modern materials (carbon fibre, aluminium) are either expensive, brittle (carbon fibre is easily damaged in a crash) or both. A lot of riders (especially the fixed crowd) have a saying of "Steel is Real", frames are normally cheap, easy to come by and even after crashes easily repaired (you can just bend it back most of the time). The same can be said about many of the more modern gearing systems. Anything past 2 up front, 8 speed at the back is again typically more expensive to fix, parts are less easy to come by and is prone to failure. Shimano's hub gears need regular maintenance where traditional derailleur setup will go on for thousands of miles with only basic maintenance. Maintenance on a derailleur system is typically cleaning (fairy liquid is fine) and using cheap lubrication that can be bought for a few pounds/dollars will suffice in most cases. |
I think you got that bit wrong: you have to clean and change parts more often with derailleur systems (the teeth for example erode much quicker). Insurances for hub systems bikes are cheaper because of this reason, at least where I am in Germany.
Not a bike expert but I happen to have a hub-geared bike with an insurance and I was told that by the insurance guy.