- Should we all have 3rd party insurance ?
Saw this in the news today.
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.Posted 9 years ago
So, does anyone plan ahead in case of a claim against them, or does everyone just hope it won't happen to them ?MidlandTrailquestsGrahamMember
I had a look at the CTC website and you get the 3rd party insurance in with the £36 membership.Posted 9 years ago
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 ?crazy-legsSubscriber
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.Posted 9 years agosimonfbarnesMember
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.Posted 9 years agosockpuppetSubscriber
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.Posted 9 years ago
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