third party insurance

I am looking for third party cycling cover as my CTC membership has
just expired and I do not wish to renew it. ISTR a thread some time
back that it was possible to get this cover through home insurance.
Does anyone know of any policies which have this cover?

Thanks

In article <1193089051.554053.269730@i38g2000prf.googlegroups.com>,
raisethe@yahoo.co.uk says...
> I am looking for third party cycling cover as my CTC membership has
> just expired and I do not wish to renew it. ISTR a thread some time
> back that it was possible to get this cover through home insurance.
> Does anyone know of any policies which have this cover?
>

Are there any that don't include it?

--
Tony

" I would never die for my beliefs because I might be wrong."
Bertrand Russell

On Mon, 22 Oct 2007 14:37:31 -0700 someone who may be raisethe
<raisethe@yahoo.co.uk> wrote this:-

>ISTR a thread some time
>back that it was possible to get this cover through home insurance.
>Does anyone know of any policies which have this cover?

1) Assuming you have home insurance, check the documents and see if
it is included in your policy.

2) If it isn't ask the organisations you are considering giving your
business.

3) Report back your experiences of 3) if you feel like it.


--
David Hansen, Edinburgh
I will *always* explain revoked encryption keys, unless RIP prevents me
http://www.opsi.gov.uk/acts/acts2000/00023--e.htm#54

raisethe <raisethe@yahoo.co.uk> writes:

> I am looking for third party cycling cover as my CTC membership has
> just expired and I do not wish to renew it. ISTR a thread some time
> back that it was possible to get this cover through home insurance.
> Does anyone know of any policies which have this cover?

My common-as-muck Norwich Union policy has it. I am currently using
the legal wotsits bit to cover their solicitors (Irwin Mitchell) and
deal with the taxi that "didn't see me" in March. Despite using
several hours of solicitor time this does not count as a claim.

Jon

Jonathan Schneider wrote:
> raisethe <raisethe@yahoo.co.uk> writes:
>
>
>>I am looking for third party cycling cover as my CTC membership has
>>just expired and I do not wish to renew it. ISTR a thread some time
>>back that it was possible to get this cover through home insurance.
>>Does anyone know of any policies which have this cover?
>
>
> My common-as-muck Norwich Union policy has it. I am currently using
> the legal wotsits bit to cover their solicitors (Irwin Mitchell) and
> deal with the taxi that "didn't see me" in March. Despite using
> several hours of solicitor time this does not count as a claim.
>
> Jon

but will it bump up your insurance next time round. At least with the
CTC you get a magazine to read and the fees don't go up like they do for
insurance policies.

in message <4720C0A0.3000703@talk21.com>, Pete Whelan
('pete.whelan@talk21.com') wrote:

> Jonathan Schneider wrote:
>> raisethe <raisethe@yahoo.co.uk> writes:
>>
>>>I am looking for third party cycling cover as my CTC membership has
>>>just expired and I do not wish to renew it. ISTR a thread some time
>>>back that it was possible to get this cover through home insurance.
>>>Does anyone know of any policies which have this cover?
>>
>> My common-as-muck Norwich Union policy has it. I am currently using
>> the legal wotsits bit to cover their solicitors (Irwin Mitchell) and
>> deal with the taxi that "didn't see me" in March. Despite using
>> several hours of solicitor time this does not count as a claim.
>
> but will it bump up your insurance next time round. At least with the
> CTC you get a magazine to read and the fees don't go up like they do for
> insurance policies.

This is rubbish. I keep asking people to name one vendor of household
contents insurance in the UK who doesn't automatically include cycling
third party cover, and so far no-one has been able to name a single one.
If you have contents insurance at all, you are almost certainly already
covered - but it will certainly do no harm to check.

Me? I'm covered on my British Cycling membership.

--
simon@jasmine.org.uk (Simon Brooke) http://www.jasmine.org.uk/~simon/

to err is human, to lisp divine
;; attributed to Kim Philby, oddly enough.

On 26 Oct, 20:51, Simon Brooke <si...@jasmine.org.uk> wrote:


>
> This is rubbish. I keep asking people to name one vendor of household
> contents insurance in the UK who doesn't automatically include cycling
> third party cover, and so far no-one has been able to name a single one.
> If you have contents insurance at all, you are almost certainly already
> covered - but it will certainly do no harm to check.
>
> Me? I'm covered on my British Cycling membership.
>
>

I'll test that tommorrow. I will select my home insurance policy in my
normal way (ie the cheapest I can get) and then will check for third
party cover.

I'll report back.

On 26 Oct, 20:51, Simon Brooke <si...@jasmine.org.uk> wrote:
> in message <4720C0A0.3000...@talk21.com>, Pete Whelan
>
>
>
>
>
> ('pete.whe...@talk21.com') wrote:
> > Jonathan Schneider wrote:
> >> raisethe <raise...@yahoo.co.uk> writes:
>
> >>>I am looking for third party cycling cover as my CTC membership has
> >>>just expired and I do not wish to renew it. ISTR a thread some time
> >>>back that it was possible to get this cover through home insurance.
> >>>Does anyone know of any policies which have this cover?
>
> >> My common-as-muck Norwich Union policy has it. I am currently using
> >> the legal wotsits bit to cover their solicitors (Irwin Mitchell) and
> >> deal with the taxi that "didn't see me" in March. Despite using
> >> several hours of solicitor time this does not count as a claim.
>
> > but will it bump up your insurance next time round. At least with the
> > CTC you get a magazine to read and the fees don't go up like they do for
> > insurance policies.
>
> This is rubbish. I keep asking people to name one vendor of household
> contents insurance in the UK who doesn't automatically include cycling
> third party cover, and so far no-one has been able to name a single one.

Tesco.

Cover for bicycles is an optional extra and even this seems to be for
accidental loss, accidental damage or theft. I can see nothing in the
policy about third party cover.

On 26 Oct, 22:14, Adam Lea <asr...@yahoo.co.uk> wrote:
> On 26 Oct, 20:51, Simon Brooke <si...@jasmine.org.uk> wrote:
>
>
>
>
>
> > in message <4720C0A0.3000...@talk21.com>, Pete Whelan
>
> > ('pete.whe...@talk21.com') wrote:
> > > Jonathan Schneider wrote:
> > >> raisethe <raise...@yahoo.co.uk> writes:
>
> > >>>I am looking for third party cycling cover as my CTC membership has
> > >>>just expired and I do not wish to renew it. ISTR a thread some time
> > >>>back that it was possible to get this cover through home insurance.
> > >>>Does anyone know of any policies which have this cover?
>
> > >> My common-as-muck Norwich Union policy has it. I am currently using
> > >> the legal wotsits bit to cover their solicitors (Irwin Mitchell) and
> > >> deal with the taxi that "didn't see me" in March. Despite using
> > >> several hours of solicitor time this does not count as a claim.
>
> > > but will it bump up your insurance next time round. At least with the
> > > CTC you get a magazine to read and the fees don't go up like they do for
> > > insurance policies.
>
> > This is rubbish. I keep asking people to name one vendor of household
> > contents insurance in the UK who doesn't automatically include cycling
> > third party cover, and so far no-one has been able to name a single one.
>
> Tesco.
>
> Cover for bicycles is an optional extra and even this seems to be for
> accidental loss, accidental damage or theft. I can see nothing in the
> policy about third party cover.- Hide quoted text -
>


Funny you should say that. Tesco is my outgoing policy and I checked
the bumph looking for any mention of third party cover and couldn't
find any. I haven't checked the small print of the t&c though.

On 26 Oct, 22:14, Adam Lea <asr...@yahoo.co.uk> wrote:
> On 26 Oct, 20:51, Simon Brooke <si...@jasmine.org.uk> wrote:
>
>
>
>
>
> > in message <4720C0A0.3000...@talk21.com>, Pete Whelan
>
> > ('pete.whe...@talk21.com') wrote:
> > > Jonathan Schneider wrote:
> > >> raisethe <raise...@yahoo.co.uk> writes:
>
> > >>>I am looking for third party cycling cover as my CTC membership has
> > >>>just expired and I do not wish to renew it. ISTR a thread some time
> > >>>back that it was possible to get this cover through home insurance.
> > >>>Does anyone know of any policies which have this cover?
>
> > >> My common-as-muck Norwich Union policy has it. I am currently using
> > >> the legal wotsits bit to cover their solicitors (Irwin Mitchell) and
> > >> deal with the taxi that "didn't see me" in March. Despite using
> > >> several hours of solicitor time this does not count as a claim.
>
> > > but will it bump up your insurance next time round. At least with the
> > > CTC you get a magazine to read and the fees don't go up like they do for
> > > insurance policies.
>
> > This is rubbish. I keep asking people to name one vendor of household
> > contents insurance in the UK who doesn't automatically include cycling
> > third party cover, and so far no-one has been able to name a single one.
>
> Tesco.
>
> Cover for bicycles is an optional extra and even this seems to be for
> accidental loss, accidental damage or theft. I can see nothing in the
> policy about third party cover.- Hide quoted text -
>
> - Show quoted text -

Its underwritten by UK Insurance Ltd in case that means anything.

In article <1193433270.024551.40160@57g2000hsv.googlegroups.com>, asrl07
@yahoo.co.uk says...
> On 26 Oct, 20:51, Simon Brooke <si...@jasmine.org.uk> wrote:
> > in message <4720C0A0.3000...@talk21.com>, Pete Whelan
> >
> >
> > This is rubbish. I keep asking people to name one vendor of household
> > contents insurance in the UK who doesn't automatically include cycling
> > third party cover, and so far no-one has been able to name a single one.
>
> Tesco.
>
> Cover for bicycles is an optional extra and even this seems to be for
> accidental loss, accidental damage or theft. I can see nothing in the
> policy about third party cover.
>

Policy Clause 7 (1)
http://www.tescofinance.com/personal...omeins/policy-
doc.html

"Liabilities

1.
Occupiers and Personal Liabilities

We will pay all sums for which You or Your Family become legally
liable as occupiers of Your Home or in any other personal capacity for
accidental: ....."

--
Tony

" I would never die for my beliefs because I might be wrong."
Bertrand Russell

in message <1193433270.024551.40160@57g2000hsv.googlegroups.com>, Adam Lea
('asrl07@yahoo.co.uk') wrote:

> On 26 Oct, 20:51, Simon Brooke <si...@jasmine.org.uk> wrote:
>> in message <4720C0A0.3000...@talk21.com>, Pete Whelan
>>
>>
>>
>>
>>
>> ('pete.whe...@talk21.com') wrote:
>> > Jonathan Schneider wrote:
>> >> raisethe <raise...@yahoo.co.uk> writes:
>>
>> >>>I am looking for third party cycling cover as my CTC membership has
>> >>>just expired and I do not wish to renew it. ISTR a thread some time
>> >>>back that it was possible to get this cover through home insurance.
>> >>>Does anyone know of any policies which have this cover?
>>
>> >> My common-as-muck Norwich Union policy has it. I am currently using
>> >> the legal wotsits bit to cover their solicitors (Irwin Mitchell) and
>> >> deal with the taxi that "didn't see me" in March. Despite using
>> >> several hours of solicitor time this does not count as a claim.
>>
>> > but will it bump up your insurance next time round. At least with the
>> > CTC you get a magazine to read and the fees don't go up like they do
>> > for insurance policies.
>>
>> This is rubbish. I keep asking people to name one vendor of household
>> contents insurance in the UK who doesn't automatically include cycling
>> third party cover, and so far no-one has been able to name a single one.
>
> Tesco.
>
> Cover for bicycles is an optional extra and even this seems to be for
> accidental loss, accidental damage or theft. I can see nothing in the
> policy about third party cover.

Tesco, as Tony points out, do automatically provide third party cover. They
don't automatically provide theft cover. That's quite normal. If you're
buying car insurance you'll find you can get third party only a lot
cheaper than you can get third party fire and theft.

--
simon@jasmine.org.uk (Simon Brooke) http://www.jasmine.org.uk/~simon/

;; Woz: 'All the best people in life seem to like LINUX.'
;; <URL:http://www.woz.org/woz/cresponses/response03.html>

"raisethe" <raisethe@yahoo.co.uk> wrote

> Funny you should say that. Tesco is my outgoing policy and I checked
> the bumph looking for any mention of third party cover and couldn't
> find any. I haven't checked the small print of the t&c though.

It will not list the things you *have* personal liability cover for because
the list might get a bit lengthy.

It will list the things you *don't have* personal liability cover for -
mostly to do with using motor vehicles, boats and aircraft.