On 27/11/2011 19:43, neill wrote:
On Nov 27, 1:18 pm, Neil wrote:
On Sat, 26 Nov 2011 11:28:52 +0000, David Cantrell
wrote:
" Household insurance policies are general insurance. They do not
provide specialist cover that you might need whether it's for
theft or
for third party. "
I assume that was written by an insurance company as my home
insurance *does* cover cycle theft and third party risks while
cycling. I specifically confirmed it with them.
Neil
--
Neil Williams, Milton Keynes, UK
Ordinary household insurance will cover bicycles, providing they are
properly secured. In other words, locked in the house, shed or garage.
One exception might be if you have a six-grand carbon-fibre race bike,
but I would assume anyone shelling out that sort of cash would make
specfic insurance arangements.
A problem might occur if your bike was nicked from your place of work,
or your kid's bike was taken from their school. I have heard cases
where household insurers and even some bike-specific insurers, would
refuse to pay up unless it was locked in a secure, user-only
accessible compound with CCTV. As most workplaces or schools don't
have this sort of setup, or wouldn't be investing the money in
installing one, this could be a worry
Neill
Many household policies also have liability cover for policy holder and
family to give cover for incidents such a falling branches from trees
injuring 3rd parties.
This cover often extends to incidents involving non mechanically
propelled vehicles. I checked with my insurers and I and my family would
be covered if we injured a 3rd party whilst riding a bike.
They would even cover my children at university as long as permanent
address was 'home'.
Bikes were covered against theft as long as adequately locked (to fixed
object).
I've no doubt that the insurance offered via London Cycling Campaign
should give a better level of cover, but I'm told that surprising
numbers of insurance policies give what most would consider to be
adequate insurance for incidents that occur when cycling.
I wrote something about this issue nearly 10 years ago for Cambridge
Cycling Campaign.
see:
http://www.camcycle.org.uk/newslette...article10.html
Jim Chisholm
Jim Chisholm
Jim Chisholm