Cycling Insurance

Commuting, Day rides, Audax, Incidents, etc.
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Pebble
Posts: 714
Joined: 7 Jun 2020, 11:59pm

Cycling Insurance

Post by Pebble »

Can anyone point me in the right direction regarding insurance

not interested in theft, pot hole damage, tears to clothing loss of gadgets (what ever they might be) . But would like a third party cover in case my actions ever caused a loss to another, and would like full legal protection to fight my case on behalf of me

not a member of any club, cover 5-10k a year

any thoughts ?
Jdsk
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Joined: 5 Mar 2019, 5:42pm

Re: Cycling Insurance

Post by Jdsk »

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mjr
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Location: Norfolk or Somerset, mostly
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Re: Cycling Insurance

Post by mjr »

Look at whether third party liability and legal insurance options are on your home insurance. Typically £millions of liability cover, because injuries are occasionally expensive.
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Nigel
Posts: 322
Joined: 25 Feb 2007, 6:29pm

Re: Cycling Insurance

Post by Nigel »

mjr wrote:Look at whether third party liability and legal insurance options are on your home insurance. Typically £millions of liability cover, because injuries are occasionally expensive.


Third party liability covering policy holder and their household are pretty normal on house insurance. You won't find "cycling" listed in it, but will find a long list of excluded things such as "driving motor vehicles" "motorboats" etc.. The absence of "cycling" from the exclusion clauses indicates it is an activity which the insurance will cover.

Legal expenses insurance is usually an add-on, costing extra on the standard premium. Though is inclusive in some policies.
belgiangoth
Posts: 1489
Joined: 29 Mar 2007, 4:10pm

Re: Cycling Insurance

Post by belgiangoth »

Home insurance if you can't afford it, or support Cycling UK* if you can.
*I'm not sure, but I believe that some local cycling groups offer liability cover too, so you may want to go local to support local issues.
If I had a baby elephant, I would put it on a recumbent trike so that it would become invisible.
mercalia
Posts: 14578
Joined: 22 Sep 2013, 10:03pm
Location: london South

Re: Cycling Insurance

Post by mercalia »

if you live in London/ over 65/unwaged/under 25 The London Cycling Campaign will do 3rd party as part of membership incl magazine and various shop reductions for £25pa. Work for the NHS is free membship * and insurance

https://lcc.org.uk//
rmurphy195
Posts: 2054
Joined: 20 May 2011, 11:23am
Location: South Birmingham

Re: Cycling Insurance

Post by rmurphy195 »

Look up TSB Pick and Protect cycle insurance
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""You know you're getting old when it's easier to ride a bike than to get on and off it" - quote from observant jogger !
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