Which 3rd party liability cyclist insurance?

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

  1. le_al_khemista

    le_al_khemista Regular

    Skol, what home insurer are you with, out of curiosity? I'm in search of a similar deal.
  2. OP
    I like Skol

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

  3. pjd57

    pjd57 Über Member

    Read this thread and joined BC.
    Peace of mind and it means I can reply to the " no insurance" remarks .
    flake99please and classic33 like this.
  4. classic33

    classic33 Legendary Member

  5. BCF (as it was) for probably 25 years

    Never needed it, but it's there as a 'safety net', & as another quietener in the usual arguments/discussions about "bl**dy cyclists!"
  6. LeetleGreyCells

    LeetleGreyCells Cycliste en formation

    Snap! I joined on Thursday. Pleased I got 60% off too (affiliated club and direct debit discounts).
  7. glasgowcyclist

    glasgowcyclist Charming but somewhat feckless

    When it came to renewal I switched from BC to CUK because the former would not cover me in any claim against another BC member. The chances might be slim but I didn't see the point in limiting my cover that way.

    Another thing to watch out for is (certainly with CUK) that affiliate members do not get the free legal cover, only the insurance. Something to consider if you join via a local club or group at reduced price.
    I like Skol likes this.
  8. vickster

    vickster Legendary Member

    I can’t imagine cuk would either. SG wouldn’t be able to represent both parties in the same case (which is why BC/Leigh Day won’t)
  9. glasgowcyclist

    glasgowcyclist Charming but somewhat feckless

    They definitely cover it. I couldn't isolate the relevant FAQ to copy and paste it so here's the link to the pdf. See questions 6 and 7 >> https://www.cyclinguk.org/sites/default/files/document/2019/01/2018_19_third_party_faqs_.pdf
  10. mjr

    mjr Comfy armchair to one person & a plank to the next

    Many do, either included or as an option. It's an annoying disservice by the big cycling orgs that they imply their TP insurance is desirable. I can see why people might be attracted by the preferential help with claiming off a motorist, but the TP cover seems oversold.

    And if anyone is considering BC, check whether any meds you take are banned, as last time I checked, all members must obey antidoping rules, not only race licensees, bizarrely.
  11. vickster

    vickster Legendary Member

    Can’t see anything about it other than for racing (here or abroad) or certain overseas sportives/events

  12. kynikos

    kynikos Well-Known Member

    Aviva home policy:
    £5m third party
    £100k legal costs if I'm the injured party and I go after someone (provided the lawyers think it's winnable)
  13. Reiver

    Reiver Ribbit, Ribbit.

    what am I looking for in my household policy to show that they would cover me if I caused an accident with another vehicle ? including any legal fight on my behalf ?
  14. kynikos

    kynikos Well-Known Member

    • Personal Liability - what you do to someone else and your fault (this would cover any legal costs involved in defending yourself) - likely to be £1m+. Read the terms to see what cover you have.
    • Legal Services - what someone else does to you and you want to pursue them - if present this will be a smaller amount. Again, read the terms!
    Actual terms used may differ but will be similar. If in doubt, give your insurance co. a ring.

    If you have house insurance it's always worth checking before you look at a standalone policy.
    Last edited: 17 Mar 2019
  15. vickster

    vickster Legendary Member

    Normally legal cover is a paid for extra so see if you ticked the box
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