3rd party liability insurance

[Roz Holmes]

Hello,

Bike owning newbie here, apologies for barging into
your ng ;-)

I own a 2nd hand cheap and nasty Raleigh mountain bike for
the purpose of to-ing and fro-ing a skint student in
Nottingham. I've had a couple of prangs, both completely my
fault and all injuries/damage only involved me. In the first
one I hit another car, involved the police/ambulance etc. So
now I'm thinking that i should really have 3rd party
liability. I realise you can get it through membership of
clubs like British Cycling, but I wondered if there was a
way for me to just get this insurance alone, and whether it
would be cheaper. I'm too busy with my degree to read all
the gumph a club would send me, and not particularly
interested in racing or blah de blah. Although I guess they
will probably do good things with my wonga.

TIA.

Roz.

P.S. Any cunning way to prevent your bar ends from
getting swiped?

--
Posted via Mailgate.ORG Server - http://www.Mailgate.ORG (http://www.mailgate.org/)

[Dirtylitterboxo]

If you join the CTC, standard membership is £30.50 and Under
26 is only £11

For your membership what you get includes: -

Free £5m third party insurance Free cycling related legal
advice Discounts at shops, travel firms and cycle hire
centres Cycle specific travel insurance Cycle Rescue service
Bi-monthly magazine (worth £18)

So your money is well-spent, and the CTC is much cheaper
than joining British Cycling - and if you aren't doing BC
races, prob CTC membership is more up your street, I would
have thought.

www.ctc.org.uk

Cheers, helen s

--This is an invalid email address to avoid spam-- to get
correct one remove fame & fortune
h*$el*$$e*nd**$o$ts**i*$*$m*m$o*n*s@$*a$o*l.c**$om$

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is switched off--

[Zog The Undenia]

Roz Holmes wrote:

> Hello,
>
> Bike owning newbie here, apologies for barging into
> your ng ;-)
>
> I own a 2nd hand cheap and nasty Raleigh mountain bike for
> the purpose of to-ing and fro-ing a skint student in
> Nottingham. I've had a couple of prangs, both completely
> my fault and all injuries/damage only involved me. In the
> first one I hit another car, involved the police/ambulance
> etc. So now I'm thinking that i should really have 3rd
> party liability. I realise you can get it through
> membership of clubs like British Cycling, but I wondered
> if there was a way for me to just get this insurance
> alone, and whether it would be cheaper.

What you want is CTC membership. It's probably cheaper than
anywhere else, you get a nice magazine 6 times a year and a
free sticker :-)

http://www.ctc.org.uk (http://www.ctc.org.uk/)

[Roz Holmes]

"dirtylitterboxofferingstospammers" <wafflycathcs@aol.comcomcom> wrote
in message news:20040331132113.22447.00000407@mb-m14.aol.com

> Under 26 is only £11

Wooo, bargain! Cheers guys :-)

Roz - off back to uk.rec.equestrian ;-)

--
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[Just Zis Guy]

On Wed, 31 Mar 2004 18:09:01 +0000 (UTC), "Roz Holmes"
<black_dragon_9@hotmail.com> wrote in message
<e7f65494ebef8138004afdf1274ac38c.19225@mygate.mailgate.org>:

>I'm thinking that i should really have 3rd party liability.

CTC or a local bike club. CTC membership gives you £5m 3rd
party cover, from memory. Plus a reely good magazine.

--
Guy
===
May contain traces of irony. Contents liable to settle after
posting. http://www.chapmancentral.co.uk (http://www.chapmancentral.co.uk/)

88% of helmet statistics are made up, 65% of them at
Washington University

[Johnb]

dirtylitterboxofferingstospammers wrote:
>
> If you join the CTC, standard membership is £30.50 and
> Under 26 is only £11
>
> For your membership what you get includes: -
>
> Cycle Rescue service

What's this?

John B

[Richard Bates]

On Wed, 31 Mar 2004 18:09:01 +0000 (UTC), in
<e7f65494ebef8138004afdf1274ac38c.19225@mygate.mailgate.org>, "Roz
Holmes" <black_dragon_9@hotmail.com> wrote:

>P.S. Any cunning way to prevent your bar ends from getting
> swiped?

Get a racer!

--
usenet01@artybee.net Personal Site: www.artybee.net (same
crap, different layout) Sutton Brass :
www.suttonbrass.org.uk

[Nc]

Roz Holmes wrote:
> "dirtylitterboxofferingstospammers"
> <wafflycathcs@aol.comcomcom> wrote in message news:20040331132113.22447.00000407@mb-
> m14.aol.com
>
>> Under 26 is only £11
>
> Wooo, bargain! Cheers guys :-)

Check the small print.... There was an issue a while back
that the discounted membership didn't give all the standard
membership benefits.

I can't remember which way it fell (ie. did the discount
include the insurance scheme) but check....

- Nigel

--
NC - Webmaster for http://www.2mm.org.uk/ Replies to
newsgroup postings to the newsgroup please.

[Richard Goodman]

"Roz Holmes" <black_dragon_9@hotmail.com> wrote in message
news:e7f65494ebef8138004afdf1274ac38c.19225@mygate.mailgate.org...
> Hello,
>
> Bike owning newbie here, apologies for barging into
> your ng ;-)
>
> I own a 2nd hand cheap and nasty Raleigh mountain bike for
> the purpose of to-ing and fro-ing a skint student in
> Nottingham. I've had a couple of prangs, both completely
> my fault and all injuries/damage only involved me. In the
> first one I hit another car, involved the police/ambulance
> etc. So now I'm thinking that i should really have 3rd
> party liability.
...

Oh don't do it! If you get third-party liability insurance
that will certainly increase your likelihood of a prang
because of risk-compensation ;)

Rich

[Colin Blackburn]

On Wed, 31 Mar 2004 18:09:01 +0000 (UTC), Roz Holmes
<black_dragon_9@hotmail.com> wrote:

> Hello,
>
> Bike owning newbie here, apologies for barging into
> your ng ;-)
>
> I own a 2nd hand cheap and nasty Raleigh mountain bike
> for the purpose of to-ing and fro-ing a skint student in
> Nottingham. I've had a couple of prangs, both completely
> my fault and all injuries/damage only involved me. In the
> first one I hit another car, involved the
> police/ambulance etc. So now I'm thinking that i should
> really have 3rd party liability. I realise you can get it
> through membership of clubs like British Cycling, but I
> wondered if there was a way for me to just get this
> insurance alone, and whether it would be cheaper. I'm too
> busy with my degree to read all the gumph a club would
> send me, and not particularly interested in racing or
> blah de blah. Although I guess they will probably do good
> things with my wonga.

Check two things first. Do you have any contents insurance?
These policies sometimes include third party liabilty. If
not, do you know if you are covered via your parents'
insurance, you may be and it may include third party
liability.

Colin
--

[Mark Thompson]

>>> Under 26 is only £11
>>
>> Wooo, bargain! Cheers guys :-)
>
> Check the small print.... There was an issue a while back
> that the discounted membership didn't give all the
> standard membership benefits.
>
> I can't remember which way it fell (ie. did the discount
> include the insurance scheme) but check....

And check the small print of the policy too. Insurance is
ridiculously expensive these days (because payouts are
ridiculously large I presume) so insurance policies often
get around this by being a lump of ****e.

Bearing in mind the slight damage that you can do to a car
(erm, dent it, scratch it) an insurance policy might be
overkill. Remember, in the unlikely event of causing serious
damage to the car, you'll most likely be dead.

[Anonymous Cowar]

Mark Thompson wrote:

>>>> Under 26 is only £11
>>>
>>> Wooo, bargain! Cheers guys :-)
>>
>> Check the small print.... There was an issue a while back
>> that the discounted membership didn't give all the
>> standard membership benefits.
>>
>> I can't remember which way it fell (ie. did the discount
>> include the insurance scheme) but check....

It did for me... But check. I thought the cycle rescue
service was extra though.

> And check the small print of the policy too. Insurance is
> ridiculously expensive these days (because payouts are
> ridiculously large I presume) so insurance policies often
> get around this by being a lump of ****e.
>
> Bearing in mind the slight damage that you can do to a car
> (erm, dent it, scratch it) an insurance policy might be
> overkill. Remember, in the unlikely event of causing
> serious damage to the car, you'll most likely be dead.

There's a £250 excess with the CTC policy so you'd be
unlucky to have to use it for car damage though if you hit a
Ferrari all bets are off... More worrying is the possibility
of hitting a pedestrian or causing an accident
- damage to flesh is far more important (and costly) than
damage to steel.

If you have another accident, it may or may not be your
fault. If it is not, the CTC legal team are very helpful.

[Mark Thompson]

> off... More worrying is the possibility of hitting a
> pedestrian or causing an accident - damage to flesh is far
> more important (and costly) than damage to steel.

Good point. For some reason I'd completely forgotten about
pedestrians.

[Vic]

On 1 Apr 2004 14:27:46 GMT, Mark Thompson
<pleasegivegenerously@warmmail.com> wrote:

>>>> Under 26 is only £11
>>>
>>> Wooo, bargain! Cheers guys :-)
>>
>> Check the small print.... There was an issue a while back
>> that the discounted membership didn't give all the
>> standard membership benefits.
>>
>> I can't remember which way it fell (ie. did the discount
>> include the insurance scheme) but check....
>
>And check the small print of the policy too. Insurance is
>ridiculously expensive these days (because payouts are
>ridiculously large I presume) so insurance policies often
>get around this by being a lump of ****e.
>
>Bearing in mind the slight damage that you can do to a car
>(erm, dent it, scratch it) an insurance policy might be
>overkill. Remember, in the unlikely event of causing
>serious damage to the car, you'll most likely be dead.

Bear in mind that slight damage such as a scratch or a
dent can rack up the labour costs of a repair at a
frightening rate.

I crashed into the back of a car a while ago, and did not
enjoy shelling out £440 just before Christmas.

I'm now insured.

BTW, those considering the CTC's 3rd party cover should be
aware that its got a £250 excess, which is frankly
ludicrous.

Vic.

[Richard Bates]

On Thu, 01 Apr 2004 21:19:25 +0100, in
<gvto609mg5493vbfkvhs37oemlt88diq0o@4ax.com>, Vic
<victor_papanek@hotmail.com> wrote:

>BTW, those considering the CTC's 3rd party cover should be
>aware that its got a £250 excess, which is frankly
>ludicrous.

Ah but remember that cyclists are not identifiable and can
therefore simply not bother to stop at the scene of any
collision!

[note to uk.tosspot: YES, this *IS* tongue in cheek]

--
usenet01@artybee.net Personal Site: www.artybee.net (same
crap, different layout) Sutton Brass :
www.suttonbrass.org.uk

[Bens]

On Thu, 01 Apr 2004 21:19:25 +0100, Vic <victor_papanek@hotmail.com>
wrote:

>On 1 Apr 2004 14:27:46 GMT, Mark Thompson
><pleasegivegenerously@warmmail.com> wrote:
>
>>>>> Under 26 is only £11
>>>>
>>>> Wooo, bargain! Cheers guys :-)
>>>
>>> Check the small print.... There was an issue a while
>>> back that the discounted membership didn't give all the
>>> standard membership benefits.
>>>
>>> I can't remember which way it fell (ie. did the discount
>>> include the insurance scheme) but check....
>>
>>And check the small print of the policy too. Insurance is
>>ridiculously expensive these days (because payouts are
>>ridiculously large I presume) so insurance policies often
>>get around this by being a lump of ****e.
>>
>>Bearing in mind the slight damage that you can do to a car
>>(erm, dent it, scratch it) an insurance policy might be
>>overkill. Remember, in the unlikely event of causing
>>serious damage to the car, you'll most likely be dead.
>
>Bear in mind that slight damage such as a scratch or a
>dent can rack up the labour costs of a repair at a
>frightening rate.
>
>I crashed into the back of a car a while ago, and did not
>enjoy shelling out £440 just before Christmas.

Oh aye. And don't even think about crashing into a
motorcycle.

Those plastic panels on the side of modern sports bikes? 300
quid a side and they crack _very_ easily.
--
"We take these risks, not to escape from life, but to
prevent life escaping from us." http://www.bensales.com (http://www.bensales.com/)