British Cycling Membership, is it worth the £35.10?

[Deleted member 26715]

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

Think I found it on https://www.britishcycling.org.uk/thirdpartyliability

Race Gold, Race Silver and Ride members benefit from individual liability insurance cover for non-competitive, social, leisure, utility cycling and commuting and also whilst participating in timed events such as sportives.

Commute members benefit from individual liability insurance cover for utility cycling and commuting only. Cover does not extend to participation in cycling events or group cycling activities involving multiple participants, such as races, sportives, club rides and group rides.

So it doesn't appear to cover social & leisure for Commute members, which is a bit bizarre

 

[Crackle]

Wot about your house insurance. There's normally a public/personal liability section?

 

[Deleted member 26715]

Wot about your house insurance. There's normally a public/personal liability section?

it's not covered I've checked

 

[DCLane]

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.

The League of Veteran Racing Cyclists membership including third party cover is £20 but you need to be over 40: http://www.lvrc.org.uk/membership_benefits.asp

It covers everything except commuting.

 

[Jody]

So it doesn't appear to cover social & leisure for Commute members, which is a bit bizarre

That's what I thought but don't have time to look at the specifics.

 

[NorthernDave]

I'm with BC.

If you don't make that £30-odd a year back from the freebies and discount deals offered I'd be surprised. My membership more than pays for itself every year.

 

[Slick]

I'm with BC.

If you don't make that £30-odd a year back from the freebies and discount deals offered I'd be surprised. My membership more than pays for itself every year.

I'm the exact same. In fact I made the initial cost back in one shopping visit recently.

 

[vickster]

I'm with BC.

If you don't make that £30-odd a year back from the freebies and discount deals offered I'd be surprised. My membership more than pays for itself every year.

Over £40 for ride now but it’s worth the peace of mind

 

[Milzy]

Over £40 for ride now but it’s worth the peace of mind

Yes yes, & if you ride in London with all the phone Zombies it's essential. It will only cost you a few Camden IPA's & a sandwhich.

 

[glasgowcyclist]

I'm with BC

Do they still exclude claims involving another BC member? I know the chances are low but that put me off so I switched to CUK, who don't operate that exclusion.

 

[vickster]

Do they still exclude claims involving another BC member? I know the chances are low but that put me off so I switched to CUK, who don't operate that exclusion.

What would they do in that case? S&G can’t represent both parties (that’s the reason for the BC policy)

 

[vickster]

Yes yes, & if you ride in London with all the phone Zombies it's essential. It will only cost you a few Camden IPA's & a sandwhich.

I rarely ride in central London however. But yes, £3-4 a month really isn’t much given the potential benefits

 

[DRM]

I'd have a read through the cyclist v phone zombie thread on advocacy & safety then see if British Cycling membership is value or not, the poor sod that hit the ped is now facing bankruptcy after the judge went 50/50 blame, the ped now wants £100,000 costs!

 

[Johnno260]

£35 vs £100k I failed maths but can work this one out.

 

[fossyant]

Silver BC member here, have been over 30 years. Get the insurance as I've been sued from being knocked off my bike in a hit and run, unfortunately, my 'flying bike' hit another cyclist - he had no insurance but got an ambulance chaser on it.