Motor insurance should include cycling cover?

[Moodyman]

Slightly related, but I recall there was a motor insurance provider who offered lower premiums if the driver was also a cyclist.

Multiple studies showed that cyclists were better drivers because we had better hazard perception and awareness of our surroundings when driving.

 

[wiggydiggy]

Only if those on mobility scooters are made to pay the same,

Slightly related, but I recall there was a motor insurance provider who offered lower premiums if the driver was also a cyclist.

Multiple studies showed that cyclists were better drivers because we had better hazard perception and awareness of our surroundings when driving.

You don't happen to recall who that was do you?

 

[Moodyman]

Here is the link to the article:

https://www.google.com/amp/s/www.bikebiz.com/cyclists-to-get-cheaper-car-insurance/

And the company itself:

https://www.carinsurance4cyclists.com/

 

[classic33]

Only if those on mobility scooters are made to pay the same,

You don't happen to recall who that was do you?

Carinsurance4cyclists
https://road.cc/content/news/172326-insurance-firm-offer-cyclists-cheaper-car-insurance-–-because-theyre-better

 

[vickster]

Here is the link to the article:

https://www.google.com/amp/s/www.bikebiz.com/cyclists-to-get-cheaper-car-insurance/

And the company itself:

https://www.carinsurance4cyclists.com/

Be interesting to see if they’re actually competitive for car insurance though...except they don't do online quotes, and I can't be bothered with call backs during office hours

 

[a.twiddler]

Do we, as cyclists, really want to be sucked into the compulsory insurance racket that is bad enough when applied to motor vehicles? Cycles are not required to have insurance. I can imagine all sorts of limitations being imposed - must wear a helmet, must wear specific hi viz, no cycling after dark or at certain times/ places. If you feel you want it, there's your home insurance, usually included for free (but check the small print), and for more specialised purposes, BCF, Cycling UK membership or more cycling specific insurance companies.

 

[Dogtrousers]

You don't happen to recall who that was do you?

Quick google reveals it might be this from 2018

https://www.forbes.com/sites/carlto...re-better-drivers-than-motorists-finds-study/

Cyclists Are Better Drivers Than Motorists, Finds Study
...
Cyclists who drive are better behind the steering wheel than motorists, a new analysis has found. The link between cycling and safer motoring was revealed by a UK insurance firm which offers specialist motor insurance policies for cyclists.
...
Because of reduced risks, Chris Knott Insurance’s cyclist-driver policy offers lower premiums than policies aimed at the wider market.

Edit. Was beaten to it by @Moodyman

 

[classic33]

Do we, as cyclists, really want to be sucked into the compulsory insurance racket that is bad enough when applied to motor vehicles? Cycles are not required to have insurance. I can imagine all sorts of limitations being imposed - must wear a helmet, must wear specific hi viz, no cycling after dark or at certain times/ places. If you feel you want it, there's your home insurance, usually included for free (but check the small print), and for more specialised purposes, BCF, Cycling UK membership or more cycling specific insurance companies.

Don't think that's what was intended in the OP. More that your car insurance covered you whilst cycling, even if it was an extra.

 

[Tail End Charlie]

This is an interesting thread. It's one of those where my initial thought was "that's a good idea" but after reading several replies and thinking about it, I'd be against it, for reasons very well explained in several posts above.

 

[C R]

Usually at an optional extra cost though? Ditto for legal cover on car insurance

It is, but, at least on our case, the additional premium was less than getting bike specific insurance.

 

[Jody]

Depending on insurance cover, it shouldn't be too much to ask covering someone for third party. I can jump into any sub £100,000 car with the owners permission and have basic cover.

 

[BurningLegs]

It is, but, at least on our case, the additional premium was less than getting bike specific insurance.

Yes - typically £25 - £30 per year in my experience and as you said covers third party liability for all eventualities be it cycling or any other scenario.

 

[matticus]

I don't know about the "all policies must cover the policy holder while riding a bike" but if they threw it in as a freebie to attract cyclists who also drive (and the motor insurance industry sure likes to try a gimmick to attract people) it might catch my eye when I was looking to renew.

It's quite likely that it would also encourage policy-holders to cycle.
And if EVERYONE's policy had this, that would be a much bigger push.

Yes, I can see possible bad unforeseen consequences to this idea... but there are a lot of pluses.

Drivers would be reluctant to moan about uninsured cyclists - cos they'd know at least 80% ARE insured!

 

[Ajax Bay]

Drivers would be reluctant to moan about uninsured cyclists

Don't you mean "even more reluctant", Matt? A negligible minority of drivers moan about this; about the same as moan about cyclists not paying 'road tax'.
If one was to lump cycling third party and legal cover with another insurance product, which one one would be more apposite: household insurance (only some have) or motor vehicle insurance (again only some have)? The types of risk seem closer to the latter.

 

[matticus]

Don't you mean "even more reluctant", Matt? A negligible minority of drivers moan about this; about the same as moan about cyclists not paying 'road tax'.

I've never counted either group - mea culpa