3rd party insurance

Did anyone catch the Channel 4 tv news bulletin at midday?

There was a lawyer on who apparently does work for the CTC recommending
cyclists take out 3rd party cover for their protection.

The reasons were
1) that a cyclist could cause an accident causing serious injury and face a
huge claim against them. (it was pointed out that in the vast majority of
cases the cyclist in the wronged party)
and
2) not having insurance leads to cyclists not pursuing claims they should,
because of the fear of being counter-claimed.

The interviewer dutifully tossed up the suggestion that insurance for
cyclists should be compulsory, which the lady duly slapped down, pointing
out that cases where there could be a claim against a cyclist were a tiny
minority, and that such a law would be counter productive as it would
discourage cycling and its health giving benefits.

Does anyone here have public liability insurance, or is it available through
membership of any organisation? My membership of the Mountaineering Council
of Scotland gives me cover for mountain activities.

On 23/08/2006 18:54, Duncan Gray said,
Did anyone catch the Channel 4 tv news bulletin at midday?

There was a lawyer on who apparently does work for the CTC recommending
cyclists take out 3rd party cover for their protection.

Snip

Does anyone here have public liability insurance, or is it available through
membership of any organisation?

The answer to that is in your second paragraph. The CTC gives Third
Party Insurance to all members. Therefore all CTC members here have
insurance.

--
Paul Boyd
http://www.paul-boyd.co.uk/

Duncan Gray wrote:
Did anyone catch the Channel 4 tv news bulletin at midday?

There was a lawyer on who apparently does work for the CTC
recommending cyclists take out 3rd party cover for their protection.
.........

Does anyone here have public liability insurance, or is it available
through membership of any organisation? My membership of the
Mountaineering Council of Scotland gives me cover for mountain
activities.

CTC membership provides such cover as part of the membership deal, as does
membership of a few other cycling clubs.

As with mountaineering 3rd party cover, the actual insurance costs are
trivial, the cost is nearly all in the administration of setting up a
policy.


- Nigel




--
Nigel Cliffe,
Webmaster at http://www.2mm.org.uk/

"Duncan Gray" typed


Did anyone catch the Channel 4 tv news bulletin at midday?

There was a lawyer on who apparently does work for the CTC recommending
cyclists take out 3rd party cover for their protection.

The reasons were
1) that a cyclist could cause an accident causing serious injury and face a
huge claim against them. (it was pointed out that in the vast majority of
cases the cyclist in the wronged party)
and
2) not having insurance leads to cyclists not pursuing claims they should,
because of the fear of being counter-claimed.

The interviewer dutifully tossed up the suggestion that insurance for
cyclists should be compulsory, which the lady duly slapped down, pointing
out that cases where there could be a claim against a cyclist were a tiny
minority, and that such a law would be counter productive as it would
discourage cycling and its health giving benefits.

Does anyone here have public liability insurance, or is it available
through
membership of any organisation? My membership of the Mountaineering Council
of Scotland gives me cover for mountain activities.


I belong to the CTC and LCC (London Cycling Campaign). They both provide
3rd party insurance as part of membership.

--
Helen D. Vecht:
Edgware.

"Paul Boyd" wrote in message
...
On 23/08/2006 18:54, Duncan Gray said,
Did anyone catch the Channel 4 tv news bulletin at midday?

There was a lawyer on who apparently does work for the CTC recommending
cyclists take out 3rd party cover for their protection.

Snip

Does anyone here have public liability insurance, or is it available
through membership of any organisation?

The answer to that is in your second paragraph. The CTC gives Third Party
Insurance to all members. Therefore all CTC members here have insurance.


Ah, thanks. Should have followed it through further.
The news item wasn't overtly a push for new members....

In message
Paul Boyd wrote:

On 23/08/2006 18:54, Duncan Gray said,
Did anyone catch the Channel 4 tv news bulletin at midday?

There was a lawyer on who apparently does work for the CTC recommending
cyclists take out 3rd party cover for their protection.

Snip

Does anyone here have public liability insurance, or is it available through
membership of any organisation?

The answer to that is in your second paragraph. The CTC gives Third
Party Insurance to all members. Therefore all CTC members here have
insurance.


Yes as well as CTC, it's worth noting that many home comprehensive
insurance policies will include 3rd party liability that may include
cycling, also many vacation and travel insurance policies will also
cover cycling. For example I have annual insurance for mountaineering
and ski-mountaineering which also covers most other leisure and sporting
activities with a few listed exceptions (e.g. flying as a pilot, cave
diving). As always read the small print to see what is and isn't
included.

Cheers,

Mike
--
o/ \\ // |\ ,_ o Mike Clark
\__,\\ // __o | \ / /\, "A mountain climbing, cycling, skiing,
" || _`\,_ |__\ \ | immunology lecturer, antibody engineer and
` || (_)/ (_) | \corn computer user"

"Duncan Gray" wrote in message
...


Does anyone here have public liability insurance, or is it available
through membership of any organisation? My membership of the
Mountaineering Council of Scotland gives me cover for mountain activities.

Yes.

If you join the CTC you get such insurance as a benefit of being a member.
Similarly if you have British Cycling membership.

Husband, son & self are CTC members.

Cheers, helen s

CTC also supported me with free legal assistance in pursuing my claim
against the driver ( blind & deaf - due to howling kids and nagging wife)
who gave me 3 broken ribs.
Totally no cost to me with cycling aware solicitors.

The result is the purchase of a new ICE Trice Q NT for delivery end of
September.

To be honest I am not sure if the end result was worth all the pain -- but
since the pain is over --- I am happy to be taking on the new trike. If I
just banked it, it would be whittled away slowly to no effect.

So I am happy with CTC provision of legal assistance, and their 3rd party
insurance -- but as CTC know, I am distinctly not a "yes man". There are, I
believe, many areas where CTC's policies are definitely anti "Touring" and I
am above all a touring cyclist.

but I reckon that a specialist insurance cover is a good idea


--
Trevor A Panther
In South Yorkshire,
England, United Kingdom.
www.tapan.pwp.blueyonder.co.uk

"wafflycat" wrote in message
...

"Duncan Gray" wrote in message
...


Does anyone here have public liability insurance, or is it available
through membership of any organisation? My membership of the
Mountaineering Council of Scotland gives me cover for mountain
activities.

Yes.

If you join the CTC you get such insurance as a benefit of being a member.
Similarly if you have British Cycling membership.

Husband, son & self are CTC members.

Cheers, helen s

in message , Duncan Gray
') wrote:

Did anyone catch the Channel 4 tv news bulletin at midday?

There was a lawyer on who apparently does work for the CTC recommending
cyclists take out 3rd party cover for their protection.

The reasons were
1) that a cyclist could cause an accident causing serious injury and
face a huge claim against them. (it was pointed out that in the vast
majority of cases the cyclist in the wronged party)
and
2) not having insurance leads to cyclists not pursuing claims they
should, because of the fear of being counter-claimed.

The interviewer dutifully tossed up the suggestion that insurance for
cyclists should be compulsory, which the lady duly slapped down,
pointing out that cases where there could be a claim against a cyclist
were a tiny minority, and that such a law would be counter productive
as it would discourage cycling and its health giving benefits.

Does anyone here have public liability insurance, or is it available
through membership of any organisation? My membership of the
Mountaineering Council of Scotland gives me cover for mountain
activities.

If you're a member of British Cycling, or the Scottish Cyclists' Union,
or the Cyclists Touring Club, or I /think/ any club affiliated to
British Cycling, you're covered. I'm a member of British Cycling.

--
(Simon Brooke) http://www.jasmine.org.uk/~simon/
;; If Python is executable pseudocode,
;; then Perl is executable line noise
-- seen on Slashdot.

wafflycat wrote:
"Duncan Gray" wrote in message
...


Does anyone here have public liability insurance, or is it available
through membership of any organisation? My membership of the
Mountaineering Council of Scotland gives me cover for mountain activities.

Yes.

If you join the CTC you get such insurance as a benefit of being a member.
Similarly if you have British Cycling membership.

IIRC you only get third party cover at silver or gold BC membership,
not bronze.
I read the blurb when deciding which if any to get for Rachel (as it
was free she got silver so is fully insured for travel on the road.)

...d