Can anyone recommend insurance?

Discussion in 'Commuting' started by BADGER.BRAD, 30 Oct 2017.

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  1. BADGER.BRAD

    BADGER.BRAD Veteran

    Location:
    WEST MIDLANDS
    Hello ,

    Can anyone recommend an insurer for commuting ? I'm looking for third party and legal costs as my bikes aren't worth much .

    Thanks all
     
  2. Welsh wheels

    Welsh wheels Lycra king

    Location:
    South Wales
    British cycling are supposed to be good
     
    BrumJim likes this.
  3. NorthernDave

    NorthernDave Never used Über Member

    Join British Cycling and they include TP insurance and legal cover so you won't need a separate policy.
    Plus you get a lot of benefits like 10% off virtually everything at Halfords, etc.
    Membership is £30-odd quid.
     
  4. petek

    petek Über Member

    Location:
    East Coast UK
    GetAGrip and Sharky like this.
  5. mjr

    mjr Comfy armchair to one person & a plank to the next

    https://www.lexhaminsurance.co.uk/products/cycle-insurance seems to be about the cheapest for low-value bikes.

    ETA.co.uk if you want breakdown cover too.

    But are you sure you don't have this in your home insurance package?

    Being encouraged to use that shop ain't a benefit!
     
    Illaveago likes this.
  6. vickster

    vickster Legendary Member

    Closer to £40 now for Ride membership

    I am now with LCC, cost under a tenner for 3rd party and they have a legal partner
     
  7. OP
    OP
    BADGER.BRAD

    BADGER.BRAD Veteran

    Location:
    WEST MIDLANDS
    Thanks everyone thats great, the bikes are insured for theft under my home policy but not for legal and third party not that they are worth that much.
     
  8. vickster

    vickster Legendary Member

    In the end, it's not about what your bikes are worth but more what you are worth if something serious happens to you. My bike was unscathed when I was knocked off but I'm nearly 4 years into a personal injury claim...I've needed 4 procedure/operations to leg/shoulder and countless sessions of physio, medications etc plus time off work...damage to my property is probably around £150 only (but I'm probably £5k+ out of pocket probably before you even actually consider the injuries)
    ...or you do something serious to some else (God forbid you leave a pedestrian or other cyclist permanently disabled) or their property (e.g. you do lots of damage to a Ferrari by crashing into it)
     
  9. snorri

    snorri Legendary Member

    I had been considering insurance but the British Cycling scheme seems quite complex and is an extra to membership, as it says on their website....
    What is Bike insurance?
    Bike insurance is not included with your membership.

    I would have hoped to get a discount for not taking part in sporting events, and not using bike daily(commuting), but apparently not:sad:.

    Buyer Beware!
     
    classic33 and Illaveago like this.
  10. OP
    OP
    BADGER.BRAD

    BADGER.BRAD Veteran

    Location:
    WEST MIDLANDS
    I after a lot of reading have gone with British cycling as my main purpose was to cover my self for legal expense should I need to make a claim or have a claim made against me. A lot of them seem to cover your bike (mine arn't worth much) some cover third party but then use a legal partner and are unclear of who pays for this. British cycling was easy to understand I selected their ride policy as I have no sporting interests.
     
  11. Nebulous

    Nebulous Veteran

    Location:
    Aberdeen
    British Cycling did very well for me. They appoint a third party solicitor in Scotland, but I didn't have any costs to pay. It wouldn't have been resolved without their help.
     
    Slick likes this.
  12. Drago

    Drago Flouncing Nobber

    Location:
    Valhalla
    Cycling UK, only because I get concessionary membership half price.
     
  13. kingrollo

    kingrollo Über Member

    I don't why pedalsure doesn't get more recommendations
    Under £5pm - with a benefit pay out of £35k if you are killed or seriously injured. TP cover as well.
    You can extend it to cover your bike as well (I don't take this up)
     
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