Newbie Insurance?

[sonic909]

Hello everyone...

I am quite new to all this road riding.

I have been cycling to work for the past two years or so on quite a cheap mountain bike, and not felt the need to be worried about insurance.

I have recently bought a £1400 road bike, and want to insure it incase it gets damaged or stolen... i also want to come out on a club run, and have seen talk of 3rd party (probably a good idea for me!).
Also about a year back i was injured whilst on a night out and put out of work for a while, so an insurance policy that pays me if i get injured too would be nice seeing as on a fast bike i will no doubt fall off...!

A few companies seem to offer it, which is the most commonly used? and which is regaurded as the better?

Thanks for any advice, i hope to meet a few of you on a coulsdon south saturday ride soon!

[Andrew G]

CTC membership is a good idea for any cyclist anyway as it helps fund them and they do a lot of good work for our cause.

With the membership you get your 3rd party insurance cover so that covers that one.
Person cover - I'd be surprised if you could get cover included unless very expensive as you would get NHS treatment. Otherwise private medial cover is the other way, fortunately I get this through work. Remember that if it is not your fault, say you were knocked off by a car then it would be claimed off their insurance anyway.

Bike Insurance - Back with the CTC for me. There are various ways and you could have it included on your home contents insurance (which a lot of people do), if not already covered. I use the insurance through the CTC (Butterworths) as although it isn't the cheapest way to insure your bike the cover is extremely comprehensive, including any damage/theft incurred whilst travelling abroad or when it's in transit. It even covers you if you're camping so long as the bike is either in the tent with you of chained to a tree or similar. The CTC is the Cycling Tourist Club so expect you to be out and about with your bike, not have it locked down in a fort knox style garage all the time.

Cheers,

Andrew.

[Grahame]

To add to Andre's advice:

CTC can be found [url=http://www.ctc.org.uk]here[/url] and their insurance details [url=http://www.butterworthinsurance.co.uk/benefits.shtml]here.[/url]

I would also add that the CTC lawyers were excellent when I was knocked off my bike by an uninsured driver 5 years ago.

[MJ_1993]

Andre...HAHA. Andre Vert?

[mrP(Boonen)VT]

[quote="Mo Jaffer"]Andre...HAHA. Andre Vert?

[Marky Mark]

I think it was Grahame who mentioned M&S for insurance, good call Sir.
My sitution is as follows

Current Insurer : Zurich contents [color=#0000FF]£395.00[/color] (but they point blank refused to insure my bike) £1,000 max.
P.S. I also got through to an Indian call centre who asked me what size engine I had on my 'Push bike'.

Quote for Butterworths yesterday : [color=#FF8000]£385.00[/color] and If I wanted to race the premium would go up to £512.00. I can insure a car cheaper!!!!!

[color=#FF4000]So that would be 395[/color] + [color=#FF8000]385[/color] = £780.00 per annum


M&S contents insurance quote today : £393.94
This is a premier cover, accidental damage, away from home cover, any item up to £4,000.00, bikes are covered as standard.

I have a month to look around if anybody knows of a better one than that, then please post a reply. I also assume that M&S are a good company to do business with?