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Saw this in the news today.
http://news.bbc.co.uk/1/hi/wales/north_east/8607929.stm
To summarise;
Disabled person in shop on her own scooter.
Another shopper on a shop owned scooter shunts her in to a trolley.
Shop worker gets hit by trolley.
£16000 compensation/legal costs.
Something similar could happen to any of us riding near pedestrians on bridleways/tow paths/shared cycle paths.
Come to think of it, it could be another cyclist who gets injured and claims.
And that's before we get in the legal complications if it happens to be cheeky riding.
I think CTC provide 3rd party insurance for their members, but not many mountain bikers join the CTC.
So, does anyone plan ahead in case of a claim against them, or does everyone just hope it won't happen to them ?
Should we all have 3rd party insurance ?
No
I'm not buying into the ambulance chasing, litigation culture
I think we should have a choice till it becomes legal.
(I choose to have CTC and my own fully comp bike insurance)
i have public liabilty insurance (i think) but thats more in case i cut someone up and make a **** up 😉
I'm not buying into the ambulance chasing, litigation culture
Isn't it more if the culture tries to buy into you?
I think it should be compulsory where there is a significant chance of injury in the event of an accident.
I guess a lot of us have it by default with house insurance, union membership, credit cards etc.
I think its a responsible thing to have 3rd party cover, but I'm strongly against it being compulsory to do so.
I had a look at the CTC website and you get the 3rd party insurance in with the £36 membership.
One thing they don't explain though, would I still be covered while intentionally breaking the law. What if I ride in to a pedestrian while on a footpath ?
No
You are only liable if you are at fault and I trust my skillz 😉
seriously - its a bad idea having insurance as encourages people to sue
CTC and British Cycling both offer insurance with their membership (inc personal accident insurance if you go with British Cycling's Gold membership (£64/year))
Well worth it - you wouldn't drive a car without it so why ride a bike without insurance? My bike is worth a lot more than my car plus the £hundreds in terms of kit/clothing etc, there's no way I could afford to replace it in one fell swoop if the bike got wrecked in an accident.
My bike is worth a lot more than my car plus the £hundreds in terms of kit/clothing etc, there's no way I could afford to replace it in one fell swoop if the bike got wrecked in an accident.
FYI the CTC insurance is 3rd party only and doesn't cover damage to anything of yours - you are covered for liability for damage to other people and their stuff.
joined the ctc for insurance and legal advice.
once i started regularly going on club runs, in a group, on the road, i joined the CTC.
i did this purely and simply so that those around me were covered in case of accidents.
it should not be compulsory, but i will still chose to be covered, it seems the responsible thing to do in case i cause something serious. by accident. after all they happen, and in that sort of scenario a little mistake could have large consequences.
all IMO, as always.
Most people have cover under their household insurance, if I was into club road riding I'd join CTC/BC to get the cover as part of the benfits to protect other riders, as mentioned above
I've got third party cover for biking, only used it once in the last 10 years when my insurance co had to buy an innocent driver a new rear windscreen and spoiler.