I've recently sent a query about what was covered by the insurance. Got two answers:
I renewed my Cycle Activities Provider insurance with you last week (thanks for sending the new documents promptly). I notice that the documentation has changed a little, under the Dr Bike bit it says that I am insured to carry out minor maintenace*/repair tasks on people's bikes. I wonder if you could define what exactly is covered by this please? To my mind 'minor' would include such things as fixing punctures, indexing gears, replacing brake blocks and cables, adjusting bike fit, etc. Would this be correct? If not, what does it include exactly?
*actually it doesn't say that, it says: "minor adjustments, eg Dr Bike"...I inferred that Dr Bike includes these as it always has when I've seen people doing it.
The wording is deliberately vague as it's not possible to list precisely what would and wouldn't be covered. To a degree, you have to use some common sense and judge what you think is reasonable. If you have any doubt, it's probably best not to do the adjustment/repair and refer the rider to a qualified mechanic.
me to CTC:
I'm a bit bemused by your answer. Basically you are telling me that I can only find out what I am insured to do once someone has made a claim against me and I take it to the insurer (who, because of the deliberately vague way it's written will say that I'm not covered to do anything so it's not their problem). I'm not convinced that this is ideal! I'm no insurance or legal expert but surely selling someone a policy which deliberately doesn't state what they are covered to do is somewhat dodgy isn't it?
You will find most insurance works like this - it's based on what is reasonable and our policies have always had the following paragraph included:
CTC believes that the insurance
provided meets the needs of cycle activity
providers. CTC has not assessed
individual needs for insurance and you
will not receive advice or
recommendations from CTC about your
It would be difficult, if not impossible, to specify all the exact conditions under which you would definitely be covered. If in doubt, Butterworths are the only people who can advise legally.
Lady at Butterworths...paraphrased phone call as they didn't want to correspond via email:
I don't know much about bikes but...adjustments not maintenance: as long as you aren't replacing parts and are improving the bike then it is an adjustment
So I asked if, say, repositioning brake pads is OK and she says yes if it makes the bike safer. But replacing a brake pad is not OK.
Not sure about 'replacing' the air in a tyre - but it's a good excuse not to pump any more up
Thus, in answer to the OP:
Mend puncture - grey area, but maybe yes if you are not replacing tyre/tube
Replace brake or gear cables - no
Replace or shorten chains - replace - no, shorten - yes (I think)
Replace tyres - no
Replace freewheels - no
but you could tell them how to do it themselves!