3rd Party Insurance

Headhuunter
Headhuunter Posts: 6,494
edited September 2010 in Road beginners
Which 3rd party insurance does everyone have? I'm wondering whether to join LCC or CTC or if there are any other associations which offer 3rd party insurance for cyclists.... Which one is best to go for?
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Comments

  • Dess1e
    Dess1e Posts: 239
    British Cycling, LVRC (if you're old enough). :idea:
    www.kentonrc.co.uk
  • Headhuunter
    Headhuunter Posts: 6,494
    Dess1e wrote:
    British Cycling, LVRC (if you're old enough). :idea:

    Cheers. I'm 37, does that make me a vet? So which is best? BC, CTC, LCC. I don't race but may do a few sportives next year.
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  • Pross
    Pross Posts: 43,550
    Nope, 40 for a vet. I've got BC as I needed to join in order to race anyway. The levels of membership and prices are here http://new.britishcycling.org.uk/membership/article/memst-new-what-members-get

    Not sure how it compares to the others though.
  • Headhuunter
    Headhuunter Posts: 6,494
    Dang! LVRC is much cheaper but I'm not old enough....
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  • Lillywhite
    Lillywhite Posts: 742
    Headhuunter wrote:
    Which 3rd party insurance does everyone have?

    My M &S Contents insurance gives me up to £2,000,000 personal liability insurance.
  • fastbatard
    fastbatard Posts: 137
    I joined CTC mainly for the £10m third party insurance but there are other benefits too including a decent bi-monthly magazine. Great value for £36 per year.

    http://www.ctc.org.uk/desktopdefault.aspx?tabid=4089
  • Erudin
    Erudin Posts: 136
    I'm with the CTC, chose them because I go on rides with the local group and they have a legal advice scheme as well.

    CTC Legal Advice Scheme
  • Ollieda
    Ollieda Posts: 1,010
    I'm with CTC as well. Did however note that if you crash into another CTC rider and they claim through CTC then you won't be covered or something like that.....might need to have a little look through the policy documents again to confirm that, especially worrying if on a CTC ride as you know who everyone else is covered by!
  • izza
    izza Posts: 1,561
    Chubb House Insurance gives me (£5k price limit) of all risks on bike.

    If bike is detailed in particulars then broker believes zero excess.

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