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#1
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Insurance for Cyclists?
Hello.
I just wondered what companies you recommend for insurance for cyclists, and also do you think that it should be a requirement of law in the UK that cyclists that use the roads be insured as is the case with other road users? Thanks John |
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#2
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Insurance for Cyclists?
I submit that on or about Sun, 24 Jul 2005 01:01:20 +0100, the person
known to the court as John made a statement in Your Honour's bundle) to the following effect: I just wondered what companies you recommend for insurance for cyclists, Your house contents insurance may well cover you, but membership of the CTC (http://www.ctc.org.uk) brings substantial third-party liability cover. Insurance for your bike against theft is also usually cheapest through your house contents policy (but check the small print regarding where it can be stored and left, and restrictions on locks). and also do you think that it should be a requirement of law in the UK that cyclists that use the roads be insured as is the case with other road users? No. Most road users are not insured (pedestrians are the most numerous users of the roads), and the insurance which is mandated for motor drivers is mainly a reflection of their substantial capacity to cause damage to property. Bikes have very limited capacity to cause damage - the fact that many cycle clubs can include millions of pounds' worth of public liability at no additional charge is an indication of how low the risk is! The "problem" of uninsured cyclists has never been large enough to justify the costs of the "solution". Guy -- http://www.chapmancentral.co.uk "To every complex problem there is a solution which is simple, neat and wrong" - HL Mencken |
#3
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Insurance for Cyclists?
"John" wrote in message ... Hello. I just wondered what companies you recommend for insurance for cyclists, and also do you think that it should be a requirement of law in the UK that cyclists that use the roads be insured as is the case with other road users? Thanks John Assuming you are not a troll from uk.tosspot... :-) Many cyclists already have third party liability via household insurance. Many have it via membership of CTC or British Cycling. No, I don't think it should be mandatory, even though I hold such insurance, as it is *not* mandatory for other road users other than motorists, which is right and proper (I am also an insured motorist by the way), due to the greater increased risk of injury to third parties caused by driving a significantly large chunk of metal around at speed. The greatest number of road users are pedestrians (I'm also one of those) and pedestrians don't require insurance to be able to use the highway. Do you think pedestrians should be insured before they are allowed to cross the roads? Remember where the risk comes from. It's not cyclists or pedestrians killing 3500 people on our roads each year and injuring tens of thousands more - it's primarily motorists killing other motorists, so IMO, there is a legitimate requirement for motorists to be insured. Cheers, helen s |
#4
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Insurance for Cyclists?
John wrote:
I just wondered what companies you recommend for insurance for cyclists I have insurance via my club membership, which I think is affiliated to the CTC. , and also do you think that it should be a requirement of law in the UK that cyclists that use the roads be insured as is the case with other road users? Yes. Fortunately, as Guy says, most cyclists are already covered by their household insurance. In any case, uninsured (not to mention unlicensed) motorists are a far bigger problem. d. |
#5
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Insurance for Cyclists?
Guy wrote:
The "problem" of uninsured cyclists has never been large enough to justify the costs of the "solution". ....which becomes even more apparent when you compare it to the problems caused by uninsured motorists. d. |
#6
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Insurance for Cyclists?
Guy wrote:
The "problem" of uninsured cyclists has never been large enough to justify the costs of the "solution". ....which becomes even more apparent when you compare it to the problems caused by uninsured motorists. d. |
#7
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Insurance for Cyclists?
John wrote:
Hello. I just wondered what companies you recommend for insurance for cyclists, I would fully recommend you are covered for third party insurance. This is often included within household insurance policies or as a 'freebie' within membership of various cycling organisations,such as the CTC. It is *very* cheap - a reflection of the low number of claims against cyclists and that they do not go around killing many thousands of people each year. I have changed my mind recently and believe that all adult cyclists should have 3rd party insurance. With today's regretful growth of US style litigation cases, it is the actions of a responsible rider. Regarding other insurances - you should look at having your bike insured with any household policy but beware small print. It is by far the cheapest way. and also do you think that it should be a requirement of law in the UK that cyclists that use the roads be insured as is the case with other road users? Please don't make the mistake of thinking that what applies to one class of road user should automatically apply to all others. John B |
#8
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Insurance for Cyclists?
I submit that on or about Sun, 24 Jul 2005 11:17:21 +0100, the person
known to the court as JohnB made a statement in Your Honour's bundle) to the following effect: I have changed my mind recently and believe that all adult cyclists should have 3rd party insurance. With today's regretful growth of US style litigation cases, it is the actions of a responsible rider. So should all adult pedestrians, then, since they are much more likely to cause crashes in which actual damage will be done to people's precious penis extensions. I recommend insurance, but would certainly not elevate it to the level of a "should have" let alone a "must have". Nice to have is about as far as it goes for me. Guy -- http://www.chapmancentral.co.uk "To every complex problem there is a solution which is simple, neat and wrong" - HL Mencken |
#9
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Insurance for Cyclists?
"Just zis Guy, you know?" wrote:
I submit that on or about Sun, 24 Jul 2005 11:17:21 +0100, the person known to the court as JohnB made a statement in Your Honour's bundle) to the following effect: I have changed my mind recently and believe that all adult cyclists should have 3rd party insurance. With today's regretful growth of US style litigation cases, it is the actions of a responsible rider. So should all adult pedestrians, then, since they are much more likely to cause crashes in which actual damage will be done to people's precious penis extensions. OK. Perhaps they should. John B |
#10
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Insurance for Cyclists?
Okay thanks for the replies. I understand.
John |
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