Total cycle assist, anyone use them

http://totalcycleassist.co.uk/index.cfm

Seems good value,

In the event of a cycling accident within the UK that is not your fault (or the fault of your spouse/partner or any of your children up to the age of 21, depending on which member of your immediate family has been involved in the accident) where there is an identifiable third party, your cycle will be repaired by whichever of our Trusted Repairers is closest to where you live and we shall pay for these repairs upon admission of liability by the third party.

If someone admits that it is their fault, and they are insured, and it’s not your fault at all, you might get a bike.

I looked at this – think I may have started a thread here like yours – but decided that the small print made it all rather vague.

Couldn’t remember anyone who had used them or needed the service