Cycle Clubs and insurance

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Comments

  • bobmcstuff
    bobmcstuff Posts: 11,440
    /\ not necessarily - I've had some very good insurance companies in the past. I used MPI for skiing and they were absolutely fantastic, no nonsense and I was very professionally treated.

    I think it possibly depends on what you're insuring for, most people have most exposure to car insurance and there are large proportions of the general public who would happily defraud their car insurer so it's not really a surprise they treat people with suspicion.
  • fat daddy
    fat daddy Posts: 2,605
    generally speaking as well, insurance companies normally only try to screw you over .... ie if you insured your £10k pinarello and it got nicked they would only want to give you £3k for it

    BUT

    If you did fail to stop for a crossing, and hit a kid, giving them brain damage and putting them in a wheelchair for the rest of their life, The insurance company would payout the £3million to the family for round the clock care, instead of you getting sued and being broke for the rest of your life.
  • Hinaultscrapcousin
    Hinaultscrapcousin Posts: 647
    My club requires it, I don't really see the problem. Although BC can GTF, CTC for me.
  • jgsi
    jgsi Posts: 5,062
    Hands up WHO actually has put someone into a wheelchair veggie riding a bike?????????????????????????????????

    I'm getting slightly p'd off with this thread.

    55 goddamn years riding .. hit no one... HOWEVER I was first put on the tarmac at the age of 6.
  • mamba80
    mamba80 Posts: 5,032
    JGSI wrote:
    Hands up WHO actually has put someone into a wheelchair veggie riding a bike?????????????????????????????????

    I'm getting slightly p'd off with this thread.

    55 goddamn years riding .. hit no one... HOWEVER I was first put on the tarmac at the age of 6.

    Happens all the time, you need to get out more!

    i d just like to know how a club knows let alone polices this "must have insurance" rule. so, BC Ride membership runs from the whenever you take out the policy and who s to say if i then cancelled in the 14 day cooling off period ? ridiculous.
  • bobmcstuff
    bobmcstuff Posts: 11,440
    JGSI wrote:
    Hands up WHO actually has put someone into a wheelchair veggie riding a bike?????????????????????????????????

    I'm getting slightly p'd off with this thread.

    55 goddamn years riding .. hit no one... HOWEVER I was first put on the tarmac at the age of 6.

    That's not really a very good argument, I drive over 20k miles a year and have never needed my car insurance either (touch wood), so by your logic I don't need it? Leaving aside the legality of not having it.
  • bobmcstuff
    bobmcstuff Posts: 11,440
    mamba80 wrote:
    JGSI wrote:
    Hands up WHO actually has put someone into a wheelchair veggie riding a bike?????????????????????????????????

    I'm getting slightly p'd off with this thread.

    55 goddamn years riding .. hit no one... HOWEVER I was first put on the tarmac at the age of 6.

    Happens all the time, you need to get out more!

    i d just like to know how a club knows let alone polices this "must have insurance" rule. so, BC Ride membership runs from the whenever you take out the policy and who s to say if i then cancelled in the 14 day cooling off period ? ridiculous.

    The second club I ride with says you must have insurance but I've never been asked or had it checked (although am not a member).

    It's just not a big deal, I don't know why you two are so worked up about it.
  • kingrollo
    kingrollo Posts: 3,198
    Ive been in 2 clubs - never been asked about insurance.

    After a friend of mine was involved in serious accident (she may not walk again) - I took out pedalsure which for £5 a month - that insures me - not my bike - for £35k if I am involved in a serious accident.

    I wonder about the 'leader' of the club run - as there is currently a case ongoing where an MTB instructor is being sued as somebody crashed and was left paralysed - and is claimed he was sent down a descent he wasn't yet ready for...

    But I agree if you read the small print a lot of the insurance is next to worthless that's why I don't insure my bikes . But mine are older mid range bikes anyway - perhaps I might if I had a £7k pinarello !
  • pilot_pete
    pilot_pete Posts: 2,120
    That is exactly why the clubs that require insurance insist upon it. If you remember there was a crash in Wales a few years ago where a club group were hit by a car. Some were killed if I remember correctly. Police wanted to look at possibly pressing charges against the rider who was a qualified BC Level 2 coach who was in the group as in their eyes that made him more 'responsible' and therefore the 'leader'. I believe BC fought the case for him...

    I am not sure but I know my club doesn't have a 'ride leader' for group rides, rather someone who just navigates the route because of the legal implications of being a designated ride leader and the associated responsibility (and therefore liability) that can come attached with that. May be paranoia but I guess they sought some clarification as to the legal position of such a designated role in the event of an accident.

    It is a sad reflection on society that these things need to be thought of rather than just get on your bikes and go for a ride together, but unfortunately the person with whom you may have an accident may have an ambulance seeking lawyer ready to press charges in a 'Where there is some blame there is a claim' sort of mentality. Often they have nothing to lose and simply fighting it can potentially cost you a lot of money.

    PP

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