British Cycling Membership, is it worth the £35.10?

[MontyVeda]

I was worried more about the level of personal injury claims if I hit a pedestrian than vehicle damage when I was looking for cover. That's likely to be a bigger potential claim Imo

true, but also very unlikely, as is me crashing into a car. Currently I have no insurance, which i guess reflects my level of worry regarding the unlikely happening to me.

 

[Deleted member 26715]

true, but also very unlikely, as is me crashing into a car. Currently I have no insurance, which i guess reflects my level of worry regarding the unlikely happening to me.

This is exactly my situation, I have nothing currently & rightly or wrongly I think £39 (not £35.10 not sure where I got that from as I can't find it now) seems a lot of money for benefits I don't need. But like others have said BC is a known quantity, they have been known to pay out, Cycle plan appears unknown.

 

[vickster]

This is exactly my situation, I have nothing currently & rightly or wrongly I think £39 (not £35.10 not sure where I got that from as I can't find it now) seems a lot of money for benefits I don't need. But like others have said BC is a known quantity, they have been known to pay out, Cycle plan appears unknown.

£35.10 is the continuous DD cost for year 1

 

[Richard A Thackeray]

I've been a member for many years, mainly for the insurance benefits.

Like any policy, you hope you don't have to use it

 

[fossyant]

It's worth having. Their solicitors, Leigh Day, have a specialist cycling team, and have done loads for me, got me the right specialist etc. I'm confident they will ensure I receive an appropriate compensation for my injuries.

 

[glasgowcyclist]

If you're an affiliate member of Cycling UK, through existing membership of another club, it is cheaper and you get all the same benefits except the printed magazine (which I never bothered to read anyway).

I'm sure I read earlier on the Cycling UK site (but can't find it again) that affiliate members get the 3rd party cover but not the legal cover.

I'll keep looking.

 

[Richard A Thackeray]

I've been a member for many years, mainly for the insurance benefits.

Like any policy, you hope you don't have to use it

EDIT

Plus the Legal Aid

 

[Jody]

This is exactly my situation, I have nothing currently & rightly or wrongly I think £39 (not £35.10 not sure where I got that from as I can't find it now) seems a lot of money for benefits I don't need. .

I have been fairly blase about insurance but decided it would be a good thing given how expensive claims can be. Forget the discounts and other things but £39 a year is nothing if you need legal assistance or covering the cost of a wind mirror/scratched panel or worse still hitting a pedestrian and having a personal injury claim against you.

 

[Crackle]

Has anyone on here ever needed it because they were responsible for something?

 

[MontyVeda]

Has anyone on here ever needed it because they were responsible for something?

there was a thread a few weeks back... a member rode into the back of a hatchback, which is what got me thinking about liability insurance.

 

[glasgowcyclist]

If you're an affiliate member of Cycling UK, through existing membership of another club, it is cheaper and you get all the same benefits except the printed magazine (which I never bothered to read anyway).

I'm sure I read earlier on the Cycling UK site (but can't find it again) that affiliate members get the 3rd party cover but not the legal cover.

I'll keep looking.

So far all I've managed to find is this entry:

"Full Cycling UK members may be entitled to legal advice and claims assistance from our
lawyers Slater & Gordon on 0161 830 4404 – affiliate members may still phone for general advice in
the event of an incident."​

It's in their Ride Leader Handbook at https://www.cyclinguk.org/sites/default/files/document/migrated/info/ride_leader_handbook_2016.pdf

To get a clear answer I have emailed them to ask if there are any restrictions on my affiliate membership benefits compared to those of a standard member.

 

[glasgowcyclist]

@User13710
Answer received from Cycling UK regarding cover for affiliate members:

My query:
"I am an affiliate member and wanted to check with you if there are any restrictions on the benefits I receive compared to a standard member. Specifically, am I entitled to legal advice and claims assistance in the event of an incident?"

CUK reply:

"Thank you for getting in touch.
The affiliate membership does not include legal advice unfortunately.

It also does not include the cycle magazine either."​

 

[glasgowcyclist]

Ah, right, thanks. That must have changed then, because I had legal help after an accident from them in 2013.

I'm glad your post prompted me to check because I'll not be renewing as an affiliate next year. Having read some of the experiences of members on here, I'd rather have the legal cover too.

 

[Deleted member 26715]

In light of https://www.cyclechat.net/threads/p...cyclist-gets-compensation.250372/post-5657451 it seems a good time to resurrect this post, I still don't have 3rd Party Liability, but I'm not sure that it can continue, I ride mostly where there is nobody else, but like yesterday I rode into the centre of Chesterfield & had to take avoiding action a couple of times because people just weren't looking.

3 I have found

https://www.cyclinguk.org/join £46.50
https://www.britishcycling.org.uk/membership either £41 or £37, bit confused with the difference, can be cheaper if you put on DD
https://www.cycleplan.co.uk/options £11.99 but bit of an unknown quantity, only found 1 review about somebody who had actually claimed & it hadn't gone well.

 

[Jody]

https://www.britishcycling.org.uk/membership either £41 or £37, bit confused with the difference, can be cheaper if you put on DD.

3rd party liability for leisure cycling. Not sure how they differentiate in the event of a claim.