Cyclists have many irrational beliefs, but I doubt their household policy would cover them for an expensive car damaged or a death.
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11 years ago
OT Cyclists and imperial measurements?
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11 years ago
Move to Africa?
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11 years ago
Mine covers me, but I do have them as insured items too.
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11 years ago
Covers you for what?
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11 years ago
Yes, I was going to ask the same question. Does the household insurance cover against injuring someone or damage to property caused when riding the bike?
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11 years ago
Mine does not appear to, even though the bike itself is insured.
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11 years ago
You mean, if you are out and about on the bike, and lets say come off it and bend a wheel, *that* is covered?
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11 years ago
accidental loss or damage to the pedal cycle is covered - yes. but not if I'm using it for trade or business.
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11 years ago
What about if you caused a car to swerve and it hit a bus queue?
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11 years ago
nothing about that in the policy document. And, anyway, I haven't riden it for 12 years since I got knocked off by an idiot motorist who tried to overtake me on a narrow road with a car coming the other way.
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11 years ago
Its supposed to, if I can find the policy I will check.
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11 years ago
The wear a vehicle puts on the road is proportional to the 4th power of its weight. I'd happily pay my 0.15p per year to use my bicycle on the roads. I already pay 10p to insure it.
JGH
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11 years ago
It depends on the policy. Read the tiny small print. Then read it again, with a magnifying glass, then give up and buy a policy that *does* cover you for third party liability.
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11 years ago
There's no point in *me* reading such a policy, now is there? I'm trying to get a cyclist to read *his* and comment accordingly.
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11 years ago
You have a point. Can lycra louts read? Other cyclists seem to be fairly sensible, IME, so shouldn't need insurance, though some of the Boris Bike users in London seem to be getting a bit more aggressive lately.
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11 years ago
... irrelevant.
Use the roads. pay taxes.
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11 years ago
It is relevant. A mega-ton HGV pays greater Vehicle Excise Duty than a mini.
JGH
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11 years ago
It does, but the amount is not related to weight.
Use the roads, pay taxes.
I want cyclists to be treated like other road users; I want them to be taxed, tested (both bike and rider), registered (with plates), insured, properly lit and prosecuted when they ride on the pavement or through red lights.
Then I might consider giving a shit about listening to their bleating.
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11 years ago
it's only "mechanically propelled vehicles" that need all this. Horse riders, those using a horse (or ox) pulled vehicle are not required to have all this, so why single out cyclists?
I did cycle, usually just to the shops - until some idiotic motorist knocked me off. Not all cyclists are "lycra louts"
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11 years ago
Which bit of "I want ..." is it that wasn't clear?
Because (i) they whinge and bleat and moan and whine about not being treated like proper road users, (ii) they are monstrous hypocrites, treating pedestrians in exactly the same way they complain they are treated by motorists & (iii) they justify all this by a logical fallacy, called "tu quoque", in essence the playground cry of "Please, Miss, he did it first".
IME, the majority are.