Cycling Insurance

Commuting, Day rides, Audax, Incidents, etc.
Pebble
Posts: 92
Joined: 7 Jun 2020, 11:59pm

Cycling Insurance

Postby Pebble » 11 Jul 2020, 10:04am

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
Posts: 1242
Joined: 5 Mar 2019, 5:42pm

Re: Cycling Insurance

Postby Jdsk » 11 Jul 2020, 10:07am


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mjr
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Joined: 20 Jun 2011, 7:06pm
Location: Norfolk or Somerset, mostly
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Re: Cycling Insurance

Postby mjr » 11 Jul 2020, 10:26am

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.
MJR, mostly pedalling 3-speed roadsters. KL+West Norfolk BUG incl social easy rides http://www.klwnbug.co.uk
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Nigel
Posts: 224
Joined: 25 Feb 2007, 6:29pm

Re: Cycling Insurance

Postby Nigel » 11 Jul 2020, 12:19pm

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: 1389
Joined: 29 Mar 2007, 4:10pm

Re: Cycling Insurance

Postby belgiangoth » 12 Jul 2020, 5:23pm

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, it would point out that there is no evidence for planing. Then it would eat all my bananas.

mercalia
Posts: 13681
Joined: 22 Sep 2013, 10:03pm
Location: london South

Re: Cycling Insurance

Postby mercalia » 12 Jul 2020, 6:44pm

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: 1766
Joined: 20 May 2011, 11:23am
Location: South Birmingham

Re: Cycling Insurance

Postby rmurphy195 » 13 Jul 2020, 6:05pm

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 !