Forum Home» Public Transport & Cycling

Cheap Third Party Cycling Cover

New Post Advanced Search

Cheap Third Party Cycling Cover

edited 30 November -1 at 1:00AM in Public Transport & Cycling
9 replies 2.3K views
fred246fred246 Forumite
2.6K posts
Fifth Anniversary 1,000 Posts
✭✭✭✭
edited 30 November -1 at 1:00AM in Public Transport & Cycling
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?

Replies

  • KeithPKeithP Forumite
    21.6K posts
    Part of the Furniture 10,000 Posts Name Dropper
    ✭✭✭✭✭
    Check out Cycling UK's insurance offerings:
    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.
  • fred246fred246 Forumite
    2.6K posts
    Fifth Anniversary 1,000 Posts
    ✭✭✭✭
    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.
  • hugheskevihugheskevi Forumite
    2.5K posts
    Tenth Anniversary 1,000 Posts Car Insurance Carver! Cashback Cashier
    ✭✭✭✭
    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
  • NasqueronNasqueron Forumite
    7.7K posts
    ✭✭✭✭
    British Cycling is about £30 for the basic policy which includes £10m liability insurance
    the concept of a United States of Europe is right.” Winston Churchill 1930
    I think that the Government are right to apply to join the European Economic Community...” -Winston Churchill 1961
    “The future of Europe if Britain were to be excluded is black indeed.”[FONT=&quot][FONT=&quot][FONT=&quot] - Winston Churchill 1963
    [/FONT][/FONT][/FONT]
  • Nebulous2Nebulous2 Forumite
    3K posts
    Sixth Anniversary 1,000 Posts Name Dropper
    ✭✭✭✭
    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.
  • edited 31 March 2019 at 11:52AM
    Manxman_in_exileManxman_in_exile Forumite
    4.1K posts
    Sixth Anniversary 1,000 Posts Name Dropper
    ✭✭✭✭
    edited 31 March 2019 at 11:52AM
    KeithP wrote: »
    Check out Cycling UK's insurance offerings:
    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!
  • AretnapAretnap Forumite
    3.7K posts
    Ninth Anniversary 1,000 Posts
    ✭✭✭✭
    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.
  • XbigmanXbigman Forumite
    3.4K posts
    Part of the Furniture 1,000 Posts Combo Breaker Uniform Washer
    ✭✭✭✭
    Ebikes are not covered. On several insurance policies I've had they are referred to as 'bicycles with mechanical assistance' and are excluded.



    Darren
    Xbigman's guide to a happy life.

    Eat properly
    Sleep properly
    Save some money
  • Grandad99Grandad99 Forumite
    43 posts
    Eighth Anniversary Combo Breaker
    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.
Sign In or Register to comment.

Quick links

Essential Money | Who & Where are you? | Work & Benefits | Household and travel | Shopping & Freebies | About MSE | The MoneySavers Arms | Covid-19 & Coronavirus Support