Insurance?

voodootrek
voodootrek Posts: 9
edited November 2012 in Commuting general
can anyone recommend some insurance for commuting please? I've had a couple of near misses recently and after hearing this morning about Wiggins I thought I better get something sorted. Thanks.

I did do a search but its thrown up hundreds of threads.

Comments

  • rubertoe
    rubertoe Posts: 3,994
    Join British Cycling or CTC.
    "If you always do what you've always done, you'll always get what you've always got."

    PX Kaffenback 2 = Work Horse
    B-Twin Alur 700 = Sundays and Hills
  • cookdn
    cookdn Posts: 410
    voodootrek wrote:
    can anyone recommend some insurance for commuting please? I've had a couple of near misses recently and after hearing this morning about Wiggins I thought I better get something sorted. Thanks.

    I did do a search but its thrown up hundreds of threads.
    rubertoe wrote:
    Join British Cycling or CTC.

    This has reminded me to join British Cycling. I've just joined online on their Ride membership at £24/year. This is mainly for the legal assistance benefits, but the discounts and additional third-party liability cover (in addition to that provided by the home contents insurance) will be useful too.

    If you are a London commuter you can get a 50% reduction on your first year using a TFL voucher.

    Best regards
    David
    Boardman CX Team
  • inkz
    inkz Posts: 123
    Don't forget to do it through topcashback.co.uk as well.

    British Cycling gives you 3rd party insurance but if you are in an accident you have access to their solicitors so you have someone to call if you get knocked off to help you claim.
  • jasonhill72
    jasonhill72 Posts: 18
    V.useful post - and helpful link as well! Thanks, folks!
  • kingrollo
    kingrollo Posts: 3,198
    Ive thought about this.

    Doesn't the CTC for £41 - give you compable insurance the british cycling @ £66. As a roadie I would rather british cycling - but if its just for the insurance then CTC is the better deal ?

    (I know the basic british cycling - give you access to legal solicitors - but this isn't the same as a solicitor fighting your case - should the worse happen ?)
  • corshamjim
    corshamjim Posts: 234
    What precisely is the difference between CTC (£41) and BC ('Ride' £24) legal representation? I've never seen anything to convince me there's much difference at all. I tried looking just now but the CTC page on the subject is broken!
    http://www.ctc.org.uk/category/tags/legal-advice

    I'm a BC Ride member, having left CTC when they put up their membership fee.
  • voodootrek
    voodootrek Posts: 9
    thanks for all the replies, much appreciated
  • kingrollo
    kingrollo Posts: 3,198
    corshamjim wrote:
    What precisely is the difference between CTC (£41) and BC ('Ride' £24) legal representation? I've never seen anything to convince me there's much difference at all. I tried looking just now but the CTC page on the subject is broken!
    http://www.ctc.org.uk/category/tags/legal-advice

    I'm a BC Ride member, having left CTC when they put up their membership fee.

    My suspicion is that BC ride - is just access to a legal telephone helpline - where as CTC you would if needed get a solicitoir to handle your case - not available until you pay £66 with British cycling
  • corshamjim
    corshamjim Posts: 234
    I'm hoping I'll never find out in practice if that's really the case!
  • cookdn
    cookdn Posts: 410
    kingrollo wrote:
    corshamjim wrote:
    What precisely is the difference between CTC (£41) and BC ('Ride' £24) legal representation? I've never seen anything to convince me there's much difference at all. I tried looking just now but the CTC page on the subject is broken!
    http://www.ctc.org.uk/category/tags/legal-advice

    I'm a BC Ride member, having left CTC when they put up their membership fee.
    My suspicion is that BC ride - is just access to a legal telephone helpline - where as CTC you would if needed get a solicitoir to handle your case - not available until you pay £66 with British cycling

    My interpretation is that the significant difference in benefit (for non-racers) is the personal accident cover provided by the Gold membership.

    From - Legal Support and Assistance - the details
    British Cycling wrote:
    If you are a Race Gold, Race Silver or Ride member, a resident of the UK, the Channel Islands or the Isle of Man and believe that the incident was not your fault our solicitors will assess whether or not there are reasonable prospects of succeeding with a legal action against a third party. If our appointed solicitors are satisfied that there are reasonable prospects of success a claim can be pursued on your behalf.
    Best regards
    David
    Boardman CX Team
  • kingrollo
    kingrollo Posts: 3,198
    cookdn wrote:
    kingrollo wrote:
    corshamjim wrote:
    What precisely is the difference between CTC (£41) and BC ('Ride' £24) legal representation? I've never seen anything to convince me there's much difference at all. I tried looking just now but the CTC page on the subject is broken!
    http://www.ctc.org.uk/category/tags/legal-advice

    I'm a BC Ride member, having left CTC when they put up their membership fee.
    My suspicion is that BC ride - is just access to a legal telephone helpline - where as CTC you would if needed get a solicitoir to handle your case - not available until you pay £66 with British cycling

    My interpretation is that the significant difference in benefit (for non-racers) is the personal accident cover provided by the Gold membership.

    From - Legal Support and Assistance - the details
    British Cycling wrote:
    If you are a Race Gold, Race Silver or Ride member, a resident of the UK, the Channel Islands or the Isle of Man and believe that the incident was not your fault our solicitors will assess whether or not there are reasonable prospects of succeeding with a legal action against a third party. If our appointed solicitors are satisfied that there are reasonable prospects of success a claim can be pursued on your behalf.
    Best regards
    David

    Yep - thats what I think. I think people are asumming this level of cover applies to all packages. but the cheaper packages only give you cover if you hit something else or cause an accident.

    But if you look carefully its only the more expensive packages that will appoint a solicitor on your behalf ie insure you against injury. of course you are free to appoint a solictor yourself after the event of an accident....

    Yer pays ya money....
  • cookdn
    cookdn Posts: 410
    kingrollo wrote:
    cookdn wrote:
    kingrollo wrote:
    My interpretation is that the significant difference in benefit (for non-racers) is the personal accident cover provided by the Gold membership.

    From - Legal Support and Assistance - the details
    British Cycling wrote:
    If you are a Race Gold, Race Silver or Ride member, a resident of the UK, the Channel Islands or the Isle of Man and believe that the incident was not your fault our solicitors will assess whether or not there are reasonable prospects of succeeding with a legal action against a third party. If our appointed solicitors are satisfied that there are reasonable prospects of success a claim can be pursued on your behalf.
    Best regards
    David

    Yep - thats what I think. I think people are asumming this level of cover applies to all packages. but the cheaper packages only give you cover if you hit something else or cause an accident.

    But if you look carefully its only the more expensive packages that will appoint a solicitor on your behalf ie insure you against injury. of course you are free to appoint a solictor yourself after the event of an accident....

    Yer pays ya money....

    :? Not really what I meant :). Look at this page and you will see that all the things you are talking about are seperate:
    1. Legal Support and Assistance
    2. Third Party Liability Insurance
    3. Personal Accident Insurance

    The only thing that Ride membership doesn't provide is '3 - Personal Accident Insurance'. '1 - Legal Support and Assistance' includes access to solicitors (appears to be Leigh Day and Co) if they think you have a case to claim from somebody else.

    Best regards
    David
    Boardman CX Team

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