PaulSB
Squire
- Location
- Chorley, Lancashire
I have had two claims for cycling accidents, I have used Cycling UK for both, I never thought of using using household insurance, 2015 broken shoulder was the most severe injury, it didn't go well as it got infected, so had five ops, the bike and clothing was damaged, I settled for £27,000 within a year.
This latest accident 20th August, fractured skull and nose, various cuts and bruises damaged clothing, bike OK, the driver said it was my fault, my solicitor submitted evidence that it wasn't, I have had a first offer of £50,000 which surprised me and won't be happy until the money is in the bank, Cycling UK has been well worth the membership fee for me, YMMV.
I agree regarding the PI aspect of the claim. The BC solicitors very good and clearly understand cycling and cyclists. I would not have wanted a standard insurer doing this aspect of the work.
However the BC cover for my bike, kit, Wahoo etc. was "market value" that is secondhand value. It cost me a genuine £7500 to replace everything. Possibly Cycling UK offer "new for old" but BC don't. Add to this it could have been 13 months before I received the payment.
On this basis full replacement cost inside four weeks via home insurance is hard to beat.