Cheap Third Party Cycling Cover

fred246

I have taken early retirement and I am living off savings and investments. As a keen cyclist I worry about bumping into someone and them making an inflated claim off me either from personal injury or vehicle damage. I don't want cover for my bicycle as I can easily afford a new one. I don't mind paying up to £1000 excess. Is third party cover included on some home insurance? What is the cheapest third party cover?

KeithP

Check out Cycling UK's insurance offerings:

www.cyclinguk.org/insurance

You also get other benefits of membership, e.g. 10% off at Halfords.

And yes, many home insurance policies offer third party liability cover. Check yours.

fred246

I don't think I have ever read third party cycling cover in a home insurance policy. Is it covered by the general term " your liability to the public"? I always took that to mean your liability but only in reference to the home.

hugheskevi

I've found Cycleplan to be consistently good value for the type of insurance you describe, which is the same as I have wanted over the last several years.


https://www.cycleplan.co.uk/options

Nasqueron

British Cycling is about £30 for the basic policy which includes £10m liability insurance

Nebulous2

I'm with British Cycling.



You should phone your home insurer and ask if you are covered for liability whilst cycling. Most of them do.

Manxman_in_exile

KeithP wrote: »

Check out Cycling UK's insurance offerings:

www.cyclinguk.org/insurance

You also get other benefits of membership, e.g. 10% off at Halfords.

And yes, many home insurance policies offer third party liability cover. Check yours.

^^^ This.


You also can get discounts at Cotswold Outdoors and several other retailers (eg Evans).


You can also get legal assistance in the event that you want to claim against a car driver (or even pedestrian!) etc.


EDIT: or you may need to claim against another cyclist!

Aretnap

fred246 wrote: »

I don't think I have ever read third party cycling cover in a home insurance policy. Is it covered by the general term " your liability to the public"? I always took that to mean your liability but only in reference to the home.

"Home insurance" is a rather vague term which can refer to either buildings insurance,. contents insurance, or a combined policy which covers both buildings and contents.

Buildings insurance typically comes with occupier's liability insurance, which does indeed cover liabilities relating directly to the property (eg if you don't maintain your roof properly and a tile falls off and injures the postman).

Contents insurance typically comes with much broader personal liability cover which covers any liabilities arising out of your hobbies and everyday activities, with some defined exceptions. The most common exceptions are
1 Liabilities related to the use of a.motor vehicle (for that you need car insurance)
2 Liabilities relating to your work or business
3 Contractual liabilities (no, you can't claim for your gas bill on your home insurance) and
4.Liabilities relating to dangerous dogs

Cycling accidents don't fall under any of those exceptions, so if you have contents insurance, or buildings and contents insurance, you are most likely already covered for cycling accidents on a third party basis - no need for a separate policy. Check the terms of your policy to be certain.

Xbigman

Ebikes are not covered. On several insurance policies I've had they are referred to as 'bicycles with mechanical assistance' and are excluded.



Darren

Grandad99

Ebikes are not covered.

They are covered by some insurers. The Personal Liability section of my Home Contents policy excludes motor vehicles but then says that
the definition of motor vehicles does not include mechanically propelled vehicles that do not have to be licensed or pay road tax.