Which 3rd party liability cyclist insurance?

Discussion in 'General Cycling Discussions' started by I like Skol, 12 Mar 2019.

  1. I like Skol

    I like Skol Hold my beer and watch this....

    Location:
    Ashton-under-Lyne
    Cycling liability insurance.

    This is something I have been thinking about having for years really but have never been 100% convinced about the need for it, given that cycling is really only an extension of walking or running as a means of leg powered transportation and I certainly wouldn't consider insuring myself for either of those! I was involved in a big accident just over a year ago and received some serious injuries as a result, but that didn't really change my view on the need to have specific liability insurance to cover my cycling activities.

    What has made me revisit the situation is a recent accident involving a friend of a friend, someone that I have actually ridden with a couple of times. This has left him with injuries (not too serious :B)), a wrecked bike (:sad:) and the painful part, a not inconsiderable repair bill for the car he collided with :eek:.

    On a personal level I'm not too concerned about getting a bill for material damage like that, it may be a bitter pill to swallow but it won't ruin me. What I am more worried about is being hit with a large claim for personal injuries or a death. I am primarily a commuter cyclist and ride in a largely urban area so despite being vigilant and careful it is feasible that I could be involved in a collision with a pedestrian or cyclist (pedestrians [and cyclists!] do seem to exit the pavement at the most inopportune moments and with scant regard to their surroundings or safety, especially since the boom in smart phone ownership!). Such a collision is unlikely to be my fault, but given the involvement of some money motivated compensation claim lawyer and a roll of the blame/liability dice I could see myself facing a bankrupting bill for legal defence and compensation as a result of my cycling activities.

    So, which is the best? I should perhaps define best....
    • Adequate levels of liability cover (£1, 2, 5, 10 million pounds?).
    • Legal defence included?
    • Appropriate activities (commute, leisure, group rides, charity/sportive rides, etc)
    • benefits.
    • Value, i.e cost of policy V's levels of cover.
    A quick search of this forum pointed me at 4 initial providers, Wiggle, British Cycling (BC), Cycling UK (CUK) and London Cycle Campaign (LCC).
    Wiggle are the cheapest at just over £29, but also have the lowest liability of only £1 million pounds. They include free legal 'advice' whatever that is, it doesn't sound like legal costs are covered? Also mentions an excess payable on every claim, but doesn't seem to say how much?
    BC cover upto £15 million and legal defence costs and no excess on claims. BC membership cost is £37 for basic commuter cover but rises to £41 if you want cover for group leisure rides and sportive/charity events.
    CUK membership is £46.50 and includes insurance to £10 million and no excess but I can't see any mention of legal cover.
    LCC looks to be the most expensive at £49. £5 million liability cover and no mention of legal cover.

    Has anyone got any advice or suggestions to improve on the options above? The Wiggle one seems too restrictive to consider, but the others are north of £40 which seems a lot to pay for something that I don't really think is needed and would only be invoked after a long chain of 'what if's' aligned (i.e I was involved in a collision, someone was badly injured and it was proven to be due to my negligence).
     
    nickyboy likes this.
  2. numbnuts

    numbnuts Legendary Member

    Location:
    North Baddesley
    https://www.cyclinguk.org/member-benefits/£10m-3rd-party-insurance-cover
     
  3. fossyant

    fossyant Ride It Like You Stole It!

    Location:
    South Manchester
    Easy British Cycling. I'm getting sued by a cyclist that my bike clipped when I was knocked off 4 years ago.

    Ive seen the solicitor and barrister and its in their hands. As said, crap can happen, and the honest sole that stays around gets shafted. The driver legged it.
     
  4. fossyant

    fossyant Ride It Like You Stole It!

    Location:
    South Manchester
    Its not much when you consider what it might cost. The solicitor said to me, thank goodness you have this cover. Might be alot more worrying if they came after you and you had to try and get the third party through some of your property insurance.
     
  5. dan_bo

    dan_bo How much does it cost to Oldham?

    Location:
    Failsworth
    I use BC, Although have never had to use it thankfully.
     
  6. OP
    OP
    I like Skol

    I like Skol Hold my beer and watch this....

    Location:
    Ashton-under-Lyne
  7. vickster

    vickster Legendary Member

    BC cover works well too (eventually) when you’re knocked off too. It’s £4 a month, hardly a lot ( you get a discount in year onebif sign up to DD)
    You could always phone them if you have questions
     
  8. OP
    OP
    I like Skol

    I like Skol Hold my beer and watch this....

    Location:
    Ashton-under-Lyne
    I hear ya! It does seem to stack up this way. Ignoring the £1 million Wiggle no frills option that is too basic to consider really, BC has the lowest price, highest level of indemnity (although once you get over a few million I don't suppose that is really an issue?), legal protection and no excess. Tick, tick, tick and tick. All the boxes in one go.

    Anybody aware of any discount codes/offers..... :whistle:
     
  9. Slioch

    Slioch Male, white, age 57

    Location:
    York
    I'm with BC too. Don't think mentioning me will get you a discount though.
     
    I like Skol likes this.
  10. Low Gear Guy

    Low Gear Guy Well-Known Member

    Location:
    Surrey
    Have you checked your home insurance?
     
    alecstilleyedye, mjr and I like Skol like this.
  11. si_c

    si_c Veteran

    Location:
    Wirral
    I'm also with BC. I make sure I use the discounts when I can (10% Evans, Halfords etc) which means it tends to work out for me as a net gain.
     
  12. lane

    lane Über Member

    Cycling UK here. Although I need it anyway for club runs with the local CTC group.
     
  13. NorthernDave

    NorthernDave Never used Über Member

    BC here too.
    With the various discounts, you can probably get the membership fees back in a year. I know I do!

    Check your house insurance though as you might already be covered.
     
    mjr likes this.
  14. vickster

    vickster Legendary Member

    Usually only for DD in year 1 but google to check
     
  15. OP
    OP
    I like Skol

    I like Skol Hold my beer and watch this....

    Location:
    Ashton-under-Lyne
    Great. Just spoke to my home insurer to confirm the details. My home contents insurance policy includes liability up to 2 million as standard and I have legal cover added on to that so I have no need to get separate insurance :okay:

    I ran through a few scenarios with them and there is no doubt that I am covered for my intended use. They will pay out for damage to property if a collision is my fault (i.e I hit a car) and will pay for injuring a third party when I am cycling, just the same as if I accidentally tripped someone up in the street.
     
    meta lon, mjr, tom73 and 5 others like this.
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