Cycling Insurance


J

JMS

I have seen it stated in uk.rec.cycling moderated:

"Pretty much every household insurance policy
offered for sale in the UK covers third party insurance for all cycle
accidents of any member of the household. I'd challenge you to find
any that does not."


Is that really true - and how would one find out?

I suspect it is wishful thinking - but it would be useful to know if
it is true.
 
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R

Roger Mills

I have seen it stated in uk.rec.cycling moderated:

"Pretty much every household insurance policy
offered for sale in the UK covers third party insurance for all cycle
accidents of any member of the household. I'd challenge you to find
any that does not."


Is that really true - and how would one find out?

I suspect it is wishful thinking - but it would be useful to know if
it is true.
Most household insurance policies provide Public Liability insurance
which include things which happen both on and away from the insured
premises - but they usually have exclusions (motor vehicle related
incidents, for example) so you'd need to read the small print to see
whether cycling incidents were covered.
--
Cheers,
Roger
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Please reply to Newsgroup. Whilst email address is valid, it is seldom
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G

Gordon H

JMS said:
I have seen it stated in uk.rec.cycling moderated:

"Pretty much every household insurance policy
offered for sale in the UK covers third party insurance for all cycle
accidents of any member of the household. I'd challenge you to find
any that does not."

Is that really true - and how would one find out?

I suspect it is wishful thinking - but it would be useful to know if
it is true.
There are cyclists, then there are "people on bikes".

I wouldn't want to insure most of the "people on bikes" I see every day
darting on and off pavements and ignoring traffic signals, no lights
after dark, etc.
 
A

Andy Pandy

Roger Mills said:
Most household insurance policies provide Public Liability insurance
which include things which happen both on and away from the insured
premises - but they usually have exclusions (motor vehicle related
incidents, for example) so you'd need to read the small print to see
whether cycling incidents were covered.
Yes, home insurance does tend to cover a lot of stuff you might not
expect, such as loss of stuff when on holiday etc.
 
R

Roger Mills

Yes, home insurance does tend to cover a lot of stuff you might not
expect, such as loss of stuff when on holiday etc.
True - but you usually have to pay an additional premium for (optional)
All Risks cover - which covers your valuables when away from the
premises - whereas Public Liability cover tends to be provided as standard.
--
Cheers,
Roger
____________
Please reply to Newsgroup. Whilst email address is valid, it is seldom
checked.
 
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T

Toom Tabard

I have seen it stated in uk.rec.cycling moderated:

"Pretty much every household insurance policy
offered for sale in the UK covers third party insurance for all cycle
accidents of any member of the household. I'd challenge you to find
any that does not."

Is that really true - and how would one find out?

I suspect it is wishful thinking - but it would be useful to know if
it is true.
Usually under contents insurance it will cover occupiers and personal
liability which will cover insured and members of family (usually
defined in the 'meaning of words')for death, injury or damage to
property.
It would cover you if eg as a pedestrian you act negligently and cause
a road accident; similarly it does not usually specifically exclude
use of bicycles and in these circumstance would indemnify you for
third party liability.

Toom
 
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