3rd party liability insurance

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

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Roz Holmes said:

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 :-)

ctc.org.ukctc.org.ukOpen ↗

"dirtylitterboxofferingstospammers" <[email hidden]> wrote
in message "]news:[email hidden]

Quoted message said:

Under 26 is only £11

Wooo, bargain! Cheers guys :-)

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

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On Wed, 31 Mar 2004 18:09:01 +0000 (UTC), "Roz Holmes"
<[email hidden]> wrote in message
<[email hidden]>:

Quoted message said:

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.

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

dirtylitterboxofferingstospammers said:

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

On Wed, 31 Mar 2004 18:09:01 +0000 (UTC), in
<[email hidden]>, "Roz

Holmes said:

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

Get a racer!

--
[email hidden] Personal Site: www.artybee.net (same
[censored], different layout) Sutton Brass :
www.suttonbrass.org.uk

Roz Holmes said:

"dirtylitterboxofferingstospammers"
<[email hidden]> wrote in message news:20040331132113.22447.00000407@mb-
m14.aol.com

Quoted message said:

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 2mm.org.uk2mm.org.ukOpen ↗ Replies to
newsgroup postings to the newsgroup please.

"Roz Holmes" <[email hidden]> wrote in message
"]news:[email hidden]...

Quoted message said:

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

Roz Holmes said:

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
--

Quoted message said:

Quoted message said:

Quoted message said:

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 [censored].

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.

Mark Thompson said:

Quoted message said:

Quoted message said:

> 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.

Quoted message said:

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 [censored].

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.

Quoted message said:

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.

Mark Thompson said:

Quoted message said:

Quoted message said:

> 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 [censored].

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.

On Thu, 01 Apr 2004 21:19:25 +0100, in
<[email hidden]>, Vic

Quoted message said:

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]

--
[email hidden] Personal Site: www.artybee.net (same
[censored], different layout) Sutton Brass :
www.suttonbrass.org.uk

On Thu, 01 Apr 2004 21:19:25 +0100, Vic <[email hidden]>

Quoted message said:

Mark Thompson said:

Quoted message said:

>> 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 [censored].

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.
--
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prevent life escaping from us." bensales.combensales.comOpen ↗