Which 3rd party liability cyclist insurance?

[vickster]

It's in the T&Cs on the membership forms.

Fair enough, no idea where you found anything related to anti doping other than in the context of racing. No one ever asked me what medication I was taking when I got knocked off.

 

[PaulSB]

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

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.

Found this thread through your link. The upside is you're covered and save +/-£40 to BC.

On the other hand if one changes iinsurers every year, which many do, it's another factor which needs investigation each year.

 

[GetFatty]

I took specialist cycle cover out with Hiscox. £20 a month, £5m liability plus a host of other stuff like hire bike if mine is off the road etc. I had been in CUK for years (personally then as an affiliate with the Fridays) but I found I disagreed so much with their aims I had to leave.

 

[I like Skol]

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,

Funny that I should have written this earlier in the year as I was indeed involved in a collision with a pedestrian early in July. Riding home from work at 1am when a drunk stepped out from behind a parked vehicle. I hit him at 15+ mph but luckily no harm done and after a brief and somewhat garbled discussion we went our separate ways. It could easily have been a very different outcome!

On the other hand if one changes iinsurers every year, which many do, it's another factor which needs investigation each year.

You have to check the small print and fine detail even if remaining with your existing insurer! Last year my car insurer removed the cover to drive any other vehicle without saying anything. It isn't something I use often, but it has always been there on any fully comp policy I have had as a standard feature. Simply relying on a renewal with your existing insurer getting you a continuation of the same cover is likely to get you into trouble at some point!

 

[mjr]

Fair enough, no idea where you found anything related to anti doping other than in the context of racing.

It's right there in the first sentence! https://www.britishcycling.org.uk/membership/article/Terms-and-Conditions-0 - At no point does anything limit it to racing or racing licence holders. A few bits even allow non-racing tests of some riders.

It's great that they didn't apply it to you, but the option is still there, so it feels like I'd be relying on their goodwill and I don't really want to do that if I don't have to.

 

[A1Se16]

Another option for 3rd party liability insurance is the Clarion. For example, you can join London Clarion Cycle Club for £15 which includes £5m 3rd party liability cover London Clarion Cycle Club Membership