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After being knocked off my bike yesterday morning, I've had people recommend I get a bit of cover, CTC is the one I've heard of, but 'crazy-legs' mentioned BritishCycling.org. BC seems to be aimed more at competative cyclist where as I mainly commute and do some light xc, however they also include personal accident insurance and I couldnt find that on the CTC membership. BC is more expensive but I think its affordable for the cover.
What about the rest of the commuters out there?
BC personally. Excellent legal support as well as insurance.
CTC provide 3rd party insurance which is excellent. Also legal advice.
Most inportantly they are effective advocates for all cyclists, lobying Govt, councils et c. The ongoing SMIDSY (Sorry Mate I Didn't See You) campaign is aimed at avoiding accidents like yours.
British Cycling do something called an "Everyday Cycling" membership package which is aimed at commuters and doesn't offer the Racing Licence options. It's £24/year and offers pretty much the same benefits as CTC (which is £36/year)
http://new.britishcycling.org.uk/membership/article/mem--Membership---the-full-details-0
The Gold package is the only one that offers the [b]personal[/b] insurance but TBH the included public liability usually covers most things and the rest is often available on whatever life insurance (or even home insurance) you may have anyway.
BC members get an extra 10% off at Wiggle as well... 😉
I joined BC (Silver) yesterday after reading monkeyfiend's other thread
I commute everyday and your thread just made me think what if!
£36 seems worth it, fingers crossed the only thing I need to use is the 10% wiggle discount
monkeyfiend best of luck with your claim
don't get legal help etc with BC's bronze package
Ooh that reminds me, I need to get the silver package so I can go racing at the velodrome. The silver package comes with an effective 'day license' you can use at lots of BC sponsered events.
I've been in both and I always feel I'm getting more when in the CTC, if only because I get a magazine which keeps me informed of what they're up to etc. I was far more aware of what discounts I was entitled to for being a member. I'm now in British cycling as I'm racing, I believe their legal support is excellent and that's about all I can say about it.
The CTC is the organisation that campaigns for YOUR rights as a cyclist - whether on-road or off-road.
Join it 🙂
[i]don't get legal help etc with BC's bronze package [/i]
Bronze is actually aimed at race organisers but anyone joining a BC-affiliated cycle club is automatically given a 1-yr free Bronze membership in order to allow them to get a provisional racing licence and "try it out" - if they like it they buy a Silver or Gold, if they don't like it then it hasn't cost them anything.
It's not aimed at commuters - that's what the Everyday Cycling package is for.
TBH you won't go wrong with either. Join BC and you're helping to support world class athletes, grass roots cycle sport, coaching for kids etc.
CTC are a bit more advocacy based - cycling in general, the SMIDSY campaign, rights of access that sort of thing.
<<don't get legal help etc with BC's bronze package
Bronze is actually aimed at race organisers but anyone joining a BC-affiliated cycle club is automatically given a 1-yr free Bronze membership in order to allow them to get a provisional racing licence and "try it out" - if they like it they buy a Silver or Gold, if they don't like it then it hasn't cost them anything.
It's not aimed at commuters - that's what the Everyday Cycling package is for.>>
I know - just pointing it it out..
the other option for people is to set up a BUG at work and then use the CTC group BUG membership - cheaper though not everyone gets a mag etc
Sorted.
I am now a member of BritishCycling.
Thanks for your imput crazy-legs and the rest of you.