Can anyone recommend insurance?

[BADGER.BRAD]

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

 

[Welsh wheels]

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

British cycling are supposed to be good

 

[NorthernDave]

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.

 

[petek]

CyclingUK
Here
https://www.cyclinguk.org/insurance
Cheap as chips plus you get a magazine and lots more.

 

[Richard A Thackeray]

British Cycling here too, for a lot of years
'Race' Silver membership (just in case I ever decided to return to Cyclo-Cross)
https://www.britishcycling.org.uk/membership/race/silver

There's also 'Ride', for the non-competitive
https://www.britishcycling.org.uk/membership/ride

 

[mjr]

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?

Plus you get a lot of benefits like 10% off virtually everything at Halfords, etc.

Being encouraged to use that shop ain't a benefit!

 

[vickster]

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.

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

 

[BADGER.BRAD]

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.

 

[vickster]

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.

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)

 

[rualexander]

TSB bike insurance https://www.tsb.co.uk/insurance/bicycle-insurance/

 

[snorri]

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.

Buyer Beware!

 

[BADGER.BRAD]

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.

 

[Nebulous]

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.

 

[Drago]

Cycling UK, only because I get concessionary membership half price.

 

[kingrollo]

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)