I'm covered by my travel insurance rather than my home insurance for cycling outside the UK
Whimwham7 wrote:A note of caution about relying on home insurance for TP cover - CHECK THE DETAILS OF COVER.
My home insurance (contents) cover gives me and my family TP cover away from home for leisure pursuits, BUT the cover is limited to £2 m, as opposed to the CTC (CUK) cover of £10 m. Also cover is limited to UK, Channel Islands and I. o. Man. So I would not have been covered for last year's riding in the R. o. Ireland, or on previous trips to France.
, but it is a good idea to check the cover details and if it's not as much as you want, then ask if you can increase it, else consider looking for another policy. £2m seems pretty common for home policies, LCC has £5m, CUK and BC have £10m.What's the most expensive successful claim against a cyclist, anyway
I have just checked the cover in the annual travel insurance that we use. Again only £2 m, but worldwide cover. Cycling is allowed as a non-hazardous activity, but NOT off road. Mountain biking (presumably their interpretation of "off road") is covered for an extra premium, but ONLY on recognised trails and when wearing a helmet.
So cycling, helmetless, on a main dual carriageway is covered, but to go on a traffic free cycle path I must pay extra and wear a helmet. Doh!
Most expensive successful claim ... well I can envisage a negligent/incompetent cyclist causing a coach to crash resulting in life changing injuries to multiple casualties. Unlikely, I know, but possible.
I don't know whether you have read Mark Waters' article in the West Surrey CTC magazine about the history of the current CTC situation, http://westsurreyctc.co.uk/wp-content/uploads/2016/03/2016Q2.pdf
(page 10 onwards of the mag) (compulsory reading in my opinion for all CTC members)
but he mentions that there were a couple of massive claims against the CTC insurance, resulting in increased premiums (page 15). I have no idea what they were nor how much was involved, but it must have been a lot and it had serious repercussions.