Membership Rates - Alternatives

Summer 2020 - Cycle Magazine announcement about membership changes
RayP
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Membership Rates - Alternatives

Post by RayP »

There is some significant dissent about the proposed change to membership and the consequential increase in membership fee. A large number of CUK members have expressed their intention/wish to discover alternatives to CUK especially ones which can provide insurance.
Whilst researching the market environment for my analysis of the strategic performance of CUK (see my other posts) I researched all competitor organisations and discovered those which competed directly with one another in the provision of services and insurance for cyclists. These are:

British Cycling http://www.britishcycling.org.uk/
CUK http://www.cyclinguk.org/
National Clarion Cycling Club http://www.clarioncc.org/

If anyone knows of any others this would help my analysis of the market greatly.
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Philip Benstead
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Re: Membership Rates - Alternatives

Post by Philip Benstead »

RayP wrote:There is some significant dissent about the proposed change to membership and the consequential increase in membership fee. A large number of CUK members have expressed their intention/wish to discover alternatives to CUK especially ones which can provide insurance.
Whilst researching the market environment for my analysis of the strategic performance of CUK (see my other posts) I researched all competitor organisations and discovered those which competed directly with one another in the provision of services and insurance for cyclists. These are:

British Cycling http://www.britishcycling.org.uk/
CUK http://www.cyclinguk.org/
National Clarion Cycling Club http://www.clarioncc.org/

If anyone knows of any others this would help my analysis of the market greatly.


London Cycling Campaign
https://www.lcc.org.uk/
Philip Benstead | Life Member Former CTC Councillor/Trustee
Organizing events and representing cyclist in southeast since 1988
Bikeability Instructor/Mechanic
MikeF
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Re: Membership Rates - Alternatives

Post by MikeF »

Couldn't be simpler https://s3.amazonaws.com/lcc_production_bucket/files/13367/original.PDF?1564480473. £25 for seniors anywhere in Great Britain, Northern Ireland, the Isle of Man, or the Channel Islands. Is there any advantage with CUK insurance?
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PH
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Re: Membership Rates - Alternatives

Post by PH »

MikeF wrote: Is there any advantage with CUK insurance?

They're arranged by the same broker so there's no surprise at the similarities, the one difference I spotted was that CTC insurance covers some sporting events and the LCC version excludes all.
I know British Cycling do, but do any of the other alternatives provide the ATE insurance in the event of a claim? I understand the CUK and BC offer can save you losing a large chunk of your compensation.
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Re: Membership Rates - Alternatives

Post by MikeF »

PH wrote:
MikeF wrote: Is there any advantage with CUK insurance?

They're arranged by the same broker so there's no surprise at the similarities, the one difference I spotted was that CTC insurance covers some sporting events and the LCC version excludes all.
I know British Cycling do, but do any of the other alternatives provide the ATE insurance in the event of a claim? I understand the CUK and BC offer can save you losing a large chunk of your compensation.
Ok. Depends on your need. What do you mean by your last sentence?
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Re: Membership Rates - Alternatives

Post by PH »

MikeF wrote:
PH wrote:
MikeF wrote: Is there any advantage with CUK insurance?

They're arranged by the same broker so there's no surprise at the similarities, the one difference I spotted was that CTC insurance covers some sporting events and the LCC version excludes all.
I know British Cycling do, but do any of the other alternatives provide the ATE insurance in the event of a claim? I understand the CUK and BC offer can save you losing a large chunk of your compensation.
Ok. Depends on your need. What do you mean by your last sentence?

The details are linked below. That success fee used to be paid by the losing side, that's no longer the case. With most No Win No Fee arrangements it could cost you up to 25% of your compensation. With Cycling UK and British Cycling you keep 100%.
https://www.cyclinguk.org/incidentline

The only time I made such a claim was in the days when the losing side paid the success fee, had it been more recently the saving would likely have been more than a lifetimes CUK membership.
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Re: Membership Rates - Alternatives

Post by MikeF »

PH wrote:The only time I made such a claim was in the days when the losing side paid the success fee, had it been more recently the saving would likely have been more than a lifetimes CUK membership.

Thanks
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mjr
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Post by mjr »

PH wrote:I know British Cycling do, but do any of the other alternatives provide the ATE insurance in the event of a claim?

ATE? Please expand abbreviations on first use, or offer a link to explanation.
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rsstephens55
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Re: Membership Rates - Alternatives

Post by rsstephens55 »

Hi

I’m Russell and I work at Cycling UK, looking after the insurance for members. Reading through the thread I thought it might be useful to provide some further detail on the legal advice line. In 2019 the incident line, delivered by Slater & Gordon, provided personal injury advice to over 100 members saving them around £200k due to the fact they do not charge a ‘success fee’ for cycling injury claims and members therefore keep 100% of their compensation.

My colleague Nicola Marshall has pointed out in a linked post that stand-alone third party liability insurance is available elsewhere, but we aim to provide a broad range of additional benefits designed specifically for cycling.

If anyone would like to discuss the insurance or legal line provision in more detail I’d be happy to answer further questions, just send an email through to membership@cyclinguk.org and ask for it to be forwarded onto me.

Russell Stephens
thirdcrank
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Re: Membership Rates - Alternatives

Post by thirdcrank »

ATE =After the event
==========================================

PS That's different from BTE = Before the event.

BTE is insurance you take out before anything goes wrong hoping it doesn't go wrong but to pay up if it does.

ATE in this context is the insurance usually needed when something has gone wrong and you are making a claim for compo. You are insuring against having to pay the other side's lawyers if you lose your case.
========================================

PPS

Here's a much earlier thread about the benefits of what was then CTC membership. Inevitably, insurance came up. Within that thread there's a link to a discussion about Russel Jones and Walker who used to do the CTC accident line before they were taken over by Slater Gordon, and in particular the collective conditional fee agreement between the CTC and RJW which covered CTC members' ATE
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Re: Membership Rates - Alternatives

Post by mjr »

Thanks.
thirdcrank wrote:PPS

Here's a much earlier thread about the benefits of what was then CTC membership.

Missing link?
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thirdcrank
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Re: Membership Rates - Alternatives

Post by thirdcrank »

Sorry about that, so busy with the archaelogical dig I forgot what I was supposed to be doing.

viewtopic.php?p=631063#p631063

In a nutshell, the CTC had the collective agreement to pay upfront the ATE premium for the case to be taken up. As I think has been noted, there have been changes in who pays the lawyers' "success fees" which can mean they come out of the compo. AIUI, through cUK the member gets the full payout. FWIW, RJW used to be the biggest player in this field, covering many trades unions and - in my case - the Police Federation. They were swallowed up by the even bigger Slater Gordon.
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mjr
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Re: Membership Rates - Alternatives

Post by mjr »

RayP wrote:Whilst researching the market environment for my analysis of the strategic performance of CUK (see my other posts) I researched all competitor organisations and discovered those which competed directly with one another in the provision of services and insurance for cyclists. These are:

British Cycling http://www.britishcycling.org.uk/
CUK http://www.cyclinguk.org/
National Clarion Cycling Club http://www.clarioncc.org/

If anyone knows of any others this would help my analysis of the market greatly.

Headline rates:
· BC £43/year, not available for some long-term medication users due to Anti-Doping Code applying to all members, no concessions
· CUK £48/year, or about £30 concessions
· NCCC £18/year, or £16 65+
· LCC £49/year, or £25 concessions including 65+

If you don't mind the politics, NCCC is clearly the lowest cost, although LCC comes close for 65+.
MJR, mostly pedalling 3-speed roadsters. KL+West Norfolk BUG incl social easy rides http://www.klwnbug.co.uk
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PH
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Re: Membership Rates - Alternatives

Post by PH »

mjr wrote: ATE? Please expand abbreviations on first use, or offer a link to explanation.

I did consider that not everyone would know what it was, but as thirdcrank demonstrates just spelling it out doesen't help and it's so commonly used that anyone of the first hundred Google hits for "ATE insurance" would give a better understanding than I could offer - Sometimes you do have to do some of the work yourself.
Not that it has made much difference, even though it's now been explained, you're still making comparisons without saying what the alternatives offer. There's more work there for anyone wanting to make genuine comparisons, than googling ATE.
Although a TP claim has the potential to be life changing, a PI claim is many times more likely and losing up to 25% of a settlement could be devastating.
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mjr
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Re: Membership Rates - Alternatives

Post by mjr »

PH wrote:
mjr wrote: ATE? Please expand abbreviations on first use, or offer a link to explanation.

I did consider that not everyone would know what it was, but as thirdcrank demonstrates just spelling it out doesen't help [...]

Just spelling it out did help. Certainly it made more sense than insuring oneself against Active Travel England.

Not that it has made much difference, even though it's now been explained, you're still making comparisons without saying what the alternatives offer. There's more work there for anyone wanting to make genuine comparisons, than googling ATE.

The above is a genuine comparison of the membership rates of alternative organisations, which is the title of this topic, after all! Anyone who cares about things other than just the membership rates will want to click through and compare those aspects. It would be helpful if they posted those comparisons, so I expect they will, because most people are helpful and don't snipe.

And googling ATE reveals that it is the past simple of eat, Portuguese for until and a brand of brakes... none of which were particularly relevant. I expect that's why you stuck "insurance" on it in the first mention.
Although a TP claim has the potential to be life changing, a PI claim is many times more likely and losing up to 25% of a settlement could be devastating.

Actually, I think a Toilet Paper claim is more likely than a Private Investigator one :-P
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