Loony cyclists on the road & accidents

rs65

Cornucopia wrote: »

Have you both read the link I gave?

It means liability to the victim's person. And it covers claims arising from bits of your house causing loss or injury to others.

Have you read it?

I'll help you ...

Liability insurance provides cover for your legal liability to third parties. This usually applies to accidents resulting in injury to people or damage to property. This means that if you cause damage to a third party and/or their property and are held legally liable, the third party will receive financial compensation.

Cornucopia

geri1965 wrote: »

No, it does not. It covers your legal liability to other people, whether you are in the house or not.

I don't normally pull rank but I am a liability loss adjuster so I do know what I am talking about!

Okay, let's put it another way.

Say I am a conscientious cyclist, and I want to make sure that I am covered by my home policy for accidents that are my fault on the road - please indicate a suitable policy for me, and we will check to see if it is actually covered or not.

edit: It would be good to get this confirmed either way. It was discussed here before, with similarly inconclusive results. link

In my defence, I agree with this reading of the situation from that thread:

Buildings insurance (liability section) covers you for Property Owners Liability - for instance a slate falls from your property and injures someone.

Contents insurance (liability section) covers you for negligent acts or omissions you commit as the occupier of the property. This bit would include escape of dogs etc.

and that is also from someone with industry experience.

Cornucopia

rs65 wrote: »

Have you read it?

I'll help you ...

Liability insurance provides cover for your legal liability to third parties. This usually applies to accidents resulting in injury to people or damage to property. This means that if you cause damage to a third party and/or their property and are held legally liable, the third party will receive financial compensation.

Granted, it's not the best wording. But you neglected to quote the two examples given:

• Anyone is accidentally injured or falls ill, such as a tile falling off your roof and injuring someone
• Property is accidentally lost or damaged, such as the same tile damaging a friend or neighbour's car

rs65

Cornucopia wrote: »

Granted, it's not the best wording. But you neglected to quote the two examples given:

Those examples are from the occupiers liability cover.

It is the personal liability section that is relevant to injury or damage caused outside the home (such as injury or damage caused by you as a cyclist).

Have a look at the full wording, bottom of page 23:-

http://www.aviva.co.uk/library/pdfs/home/NHDHG6080.pdf

Cornucopia

Thanks - that's what I was looking for.

I guess the exclusion of deliberate or malicious acts is the only thing that might stand in the way of a cycling-related claim.

rs65

Well, we got there in the end.

Most contents policies will have similar cover.

Cornucopia

But it's not as comprehensive as third party insurance for (car) drivers?

rs65

Cornucopia wrote: »

But it's not as comprehensive as third party insurance for (car) drivers?

What's missing?

Cornucopia

As a driver, I'm covered for all claims against me, virtually irrespective of how at fault I might have been.

I can see an insurance company invoking the "deliberate or malicious acts" exclusion for a variety of rogue cycling scenarios.