£37 for a year's CTC membership is a no brainer .to me
Not that I'd suggest CTC membership is a bad idea, but in relation to incidents like this, how specifically do you think it helps you?
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Wife in collision with cyclist, advise please.
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Not that I'd suggest CTC membership is a bad idea, but in relation to incidents like this, how specifically do you think it helps you?Posted 9 months ago # -
I'm always amazed at the ignorance on here about this issue. The vast majority of cyclists have 3rd party insurance.I don't. Do I need it?
Posted 9 months ago # -
Aracer?
I'm always amazed at the ignorance on here about this issue. The vast majority of cyclists have 3rd party insurance.
How are we insured? I know I'm not unless I'm at Swinley.
Not that I'd suggest CTC membership is a bad idea, but in relation to incidents like this, how specifically do you think it helps you?
CTC membership includes 3rd party insurance cover and legal costs IIRC.
Posted 9 months ago # -
I'm always amazed at the ignorance on here about this issue. The vast majority of cyclists have 3rd party insurance.
really? I am not and I don't think I know anyone who is
Posted 9 months ago # -
I get my thrid party via BC, rather than the CTC ... but the benefits are:
Legal assistance for not at fault
access to solicitors who will assess whether or not there are reasonable prospects of succeeding with a legal action against a third party. If our appointed solicitors are satisfied that there are reasonable prospects of success and you are resident in the UK a claim can be pursued on your behalf.Third Party (Public) Liability Insurance
If you are involved in an incident that was (or is alleged to have been) your fault or partly your fault your insurance cover indemnifies you in respect of a successful third party claim made against you to a limit of £10 million and you will not be liable for the payment of any insurance ‘excess'.Posted 9 months ago # -
Whats the damage to car? I'm surprised a bicycle can actually do considerable damage. Is it just paint work? dented? smashed windows?
Posted 9 months ago # -
I am not and I don't think I know anyone who is
I'll bet you, hora and tinas all are, along with most people you know. Hence the ignorance. Last time we did this on here (surprised you missed it) people were claiming they weren't insured but ended up realising they actually are.Posted 9 months ago # -
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Posted 9 months ago # -
Sometimes accidents while out and about are covered under Home Insurance Policy. Depends of course if you have Home Insurance (I don't!). Also depends on the T's & C's of the Home Insurance Policy and any exclusions.
And it's bugger all use if the guy has given false details.
As mentioned, I can't understand why someone would go out onto public roads on a bike often worth thousands of pounds (add up the cost of your cycling clothing, I bet that'll run into several hundred on its own!) and not have insurance. I have that through my membership of British Cycling.
Posted 9 months ago # -
Dented bonnet, scuffed bumper and dented wing
He hit it hard.
Posted 9 months ago # -
Yes crazy, but 3rd party doesn't cover your £thousands of kit, only the person you hit.
And I've never had home insurance that covered me for liability? Usualy legal assistance is an option, this pays for a solicitor to fight your corner, but if you're sued you still pay out not tue insurers.
Otherwise whats the point in car insurance if my home insurance would cover it?
Posted 9 months ago # -
And I've never
had home insurance that covered me for liability?read the terms of my home insurance properly
FTFYOtherwise whats the point in car insurance if my home insurance would cover it?
Because home insurance doesn't cover motor vehicles - it's a specific exclusion on all policies (along with aircraft and watercraft).3rd party doesn't cover your £thousands of kit, only the person you hit.
Neither does CTC/BCF membership. For everything else there's M&S contents insurance
Posted 9 months ago # -
I am not. I am sure of that. I very much doubt the vast majority of cyclists are.
Posted 9 months ago # -
I am not. I am sure of that. I very much doubt the vast majority of cyclists are.
You have no home insurance?You seriously think that most people don't live somewhere covered by home insurance?
Posted 9 months ago # -
As aracer says - standard house insurance has covered me for 3rd party loses for collisions while on my bike in the past. No better or worse than the basic CTC/BC package (AFAIK).
Posted 9 months ago # -
I'm surprised a bicycle can actually do considerable damage. Is it just paint work? dented? smashed windows?
I rode into a car that turned across me, 2 doors, a wing, bumper and a window. £3500 on a Lexus IS200 apparently. It's easy if you try!
Posted 9 months ago # -
Hmmmmmmmm
Well out of interest I did look at my policy and I have public liability - does that really cover me for 3rd party claims on my bike?
I am suprised.
Posted 9 months ago # -
Well out of interest I did look at my policy and I have public liability - does that really cover me for 3rd party claims on my bike?
Believe so. Example - many moon ago, while I was at Uni, my parents house insurance happily paid up when I was in collision with a car (all my own fault - still have the scars) without any quibble. Had similar'good' experiences on my own policy more recently.
Posted 9 months ago # -
The insurance company have confirmed that if they can trace the individual one option they have is claiming from his home insurance.
Posted 9 months ago # -
You have no home insurance?
I don't. I do however have buildings insurance and contents insurance. I know not of this "home insurance" of which you speak. Which one of these provides me with third party liability insurance?
Posted 9 months ago # -
Contents.
Posted 9 months ago # -
And that provides insurance for other people's property in the event that I damage it accidentally?
Wow. I think I need to check my policy.
Posted 9 months ago # -
According to my wife's insurance company, in her situation it does.
Posted 9 months ago # -
Cougar - Member
And that provides insurance for other people's property in the event that I damage it accidentally?Wow. I think I need to check my policy.
It's actually pretty standard on content insurance IME - it's certainly something I check for before taking out any insurance policy.
Posted 9 months ago # -
Well out of interest I did look at my policy and I have public liability - does that really cover me for 3rd party claims on my bike?
I am suprised.
pwned
Posted 9 months ago # -
I'm always amazed at the ignorance on here about this issue. The vast majority of cyclists have 3rd party insurance.
really? I am not and I don't think I know anyone who isOnly those of us who've smashed themselves into a car
will have actually checked this out I reckon. I know I'm covered by the public liability part of our house insurance. I checked. And I reckon pretty much everyone with house insurance will be covered just the same.....
Posted 9 months ago # -
In common with a few on here my brother had an incident at a junction at the bottom of a hill in town; he was in a line of traffic, the vehicle in front pulled away and he moved forward and stopped as something was coming from his right. Muppet behind assumed he was pulling away and was looking right and didn't stop. Cue my 6'4" brother screaming invective at the driver as he picked up his CB750KZ, with smashed rear light, tail fairings and mudguard. His shouting actually brought the ladies out of the wool shop nearby to see what was going on. Driver admits responsibility, couldn't do otherwise, and opts to pay cash. Now this was fifteen or so years ago, and the bill for repairs was then £250, quite a lot of money. There was a long pause on the phone, before the driver says 'bloody hell, that's expensive, d'you mind if we do it through the insurance?'
He's still riding the bike too, after his 1200 Bandit got totalled a couple of years ago, and him nearly with it. That driver wasn't insured, either.
I'd always go via the insurer.Posted 9 months ago # -
Tricky one this.the police wouldn't need to be notified as it's not a recordable accident,ie damage only.however,the cyclist failed to provide his details so commits offences whether traffic based or even criminal damage.
Posted 9 months ago # -
The vast majority of cyclists have 3rd party insurance.
Do they? I don't, and I don't know any others that do....
Turns out the details he gave are false.
Oh well. Just be grateful no-one's hurt, put it down to experience and move on.
Posted 9 months ago # -
wee in her shoes..
Posted 9 months ago # -
Do they? I don't, and I don't know any others that do....
Have you read the rest of the thread elf? Do you have home insurance?Posted 9 months ago # -
Oh I haddunt thought of that actually. Does it cover you if you crash yer bike into a car?
Posted 9 months ago # -
apparantly so Elf. News to me as well
Posted 9 months ago # -
Where's GG? Can somebody get him to come on here and claim he doesn't have 3rd party insurance for riding a bike? My day would then be well and truly made then
Posted 9 months ago # -
Oi - Ill withdraw my post if you gloat too much
Posted 9 months ago #
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