Is there any insurance aimed specifically at cycling injury?

neeb

I'm a massive fan of the NHS but let's face it, if you are involved in a cycling accident the priority is understandably going to be getting you fit and well again, not maximising your chances of returning to cycling at the same level. Just seeing all of the stuff Chris Froome got from day one of his accident (and comparing that to the minimal treatment I got when I had a shoulder injury / cracked ribs after being hit last year) made me wonder if there is any insurance available that would cover traumatic cycling injury in particular. Thinking of things such as making sure bones are set/pinned as well as they can be, physio, etc.

In my case I don't want to get private health insurance generally, but it would be good to have something that would guarantee the best treatment in the even of an accident, given how much importance I personally attach to mobility and fitness. It's generally too late to think about such stuff when the accident actually happens!

andyh01

So you're a fan of NHS, want the best possible treatment, but don't want private health care ?

The thing with insurance is the principal of indemnity being put back in same financial position immediately prior to the accident.

Anything can be insured but it's relative to its premium eg opera singers insuring their vocal chords or chefs/surgeons insuring hands/ footballers insuring legs... They'll get a defined amount of money to cover the loss of income/earnings in the event of claim for either temporary or permanent disenablment, usually there be a time delay and you'll have to provide proof of income and the premium/cost of insurance be reletive to the defined benefits eg 25% per £1m of cover

neeb

AndyH01 wrote:

So you're a fan of NHS, want the best possible treatment, but don't want private health care ?

No, not quite - I’d like private health care specifically for certain defined circumstances, on the basis I have personal requirements/preferences above basic health provision in a very particular area.

imposter2.0

neeb wrote:

In my case I don't want to get private health insurance generally, but it would be good to have something that would guarantee the best treatment in the even of an accident, given how much importance I personally attach to mobility and fitness. It's generally too late to think about such stuff when the accident actually happens!

What you are looking for is something you've already dismissed - ie private health insurance. Unless recovery from injuries sustained while cycling is far more of a priority than a potentially identical injury sustained through, say, a car accident, then you will probably want something that provides cover for the injury itself, as opposed to specifically how it was acquired.

neeb

Imposter wrote:

What you are looking for is something you've already dismissed - ie private health insurance. Unless recovery from injuries sustained while cycling is far more of a priority than a potentially identical injury sustained through, say, a car accident, then you will probably want something that provides cover for the injury itself, as opposed to specifically how it was acquired.

Possibly - but the point is that I would be looking for cover for traumatic injury (or something similar), not for the whole range of other potential health issues. And I might even be looking for something that would be better than what would be provided by the average private health cover for that particular circumstance.

Not trying to argue here, just wondering if anyone has had experience of something like that (or knows whether t does or doesn’t exist).

andyh01

Do you mean a personalAaccident policy covering a singular and sudden at fault accident. Opposed to critical illness cover with PA added on cov ring things such as cancer etc?

neeb

AndyH01 wrote:

Do you mean a personalAaccident policy covering a singular and sudden at fault accident. Opposed to critical illness cover with PA added on cov ring things such as cancer etc?

Quite possibly.. ;-)

"at fault" meaning it would cover any accident, whether or not my fault?

"singular" meanng it would only work once, at least without renegotiating the premiums?

giropaul

An unexpected ( by me) consequence of bigger numbers of cyclists riding in “ events” seems to have caused a huge rise in insurance premiums for personal injury.
For years, any cycling except actual races was covered by my travel insurer for a nominal amount. Now it is £220+ extra. I’m guessing sportive injuries are a key feature; actual races usually cover riders in races abroad.
I would expect the same to happen in the UK based on underwriters statistics. Abroad, they will also be factoring in a possible/probable ceasing of EHIC cover.
It’s important to be sure that you declare exactly what you are doing. I discovered that “ cycling “ in most holiday travel insurance covers pottering along the esplanade on a hire bike, but not bashing around mountains, or being on a group ride.