Profpointy
Legendary Member
Well Im not - nor would I - Maths isn't my strong point - But not quite sure how you've racked up my expenditure of £60 to somehow equate £6000.
Surely the more valid compassion is that I have same TP cover as British Cycling £40 but for an extra £20 I get the £35k life / injury cover.
I'm making the point that life cover purely for cycling is covering a small percentage of the overall risk of dying. Whether cycling is 1% or 10% of that risk is debatable, but is pretty small. Thus the cost comparison should be against a proper life policy covering hazards in general. If you do actually need life assurance then I'd buy proper life cover not overpay for a very niche risk leaving everything else to chance