Edwards wrote:I had never given this a thought before but now am wondering about it. Does the CTC insurance and other club cover personal injury, even if another party is not involved?
I am now wondering where you would get cover for personal injury for cycling and the cost?
Actually, I do (now). I posted about it while ago on here, (viewtopic.php?f=7&t=56066
), but no-one seemed terribly interested.
I guess I'm just trying to ensure (groan!) that folk have thought about these potential liabilties (namely, the ones where no-one else is going to pay up for our serious misfortune). It's quite true that life insurance is of no use, that CTC 3rd party insurance is irrelevant, and the "bundled" accident policies on travel insurance, credit cards, premium bank accounts, or household insurance are unsuitably low-value.
It's not really broken arms which are the issue, but permanent disability. Broken necks, spines, that kind of thing.