British Cycling Membership - Third Party Insurance and other benefits for £24 (potentially less with £10 Cashback and 10% DD Discount £11.60)
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British Cycling Membership - Third Party Insurance and other benefits for £24 (potentially less with £10 Cashback and 10% DD Discount £11.60)

76
Found 26th Jun 2012
As a bike commuter who likes to go fast, I've always wondered what I'd do when I inevitably hit someones car, property or indeed person. So was looking for some form of insurance.

If you get the ride membership from British Cycling you get

£10m of public liability insurance
Legal advice and support (when inevitably someone hits you)
Various discounts including 10% off Halfords

It costs £24 a year, I got £10 TopCashBack which tracked within the hour, and I also got a 10% discount for doing it by yearly direct debit.

So potentially it could cost you £11.60

Seems worth it to me, since I have assets such as my car or house to lose if I do someone some damage or indeed just need to defend myself when some idiot walks in front of my bike or by not paying attention I run into the back of someones Porsche.

I have to admit had it been a lot more money, I doubt I'd have bothered, but for the price it seems decent for any cyclist.

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76 Comments
Get a new bike from Halfords, and its already saved more than the cost!
good deal.
Looked in to this a while ago and was in 2 minds... With the discount and tcb its a no brainer.. . Thanks for posting
Great post. Thanks op
Yeah, great post.

£10 cashback on Quidco if you prefer that over TCB.
Glad some people are benefitting, I only joined yesterday myself so no idea if the magazines are worth reading and the other bits. I do know a guy who hit a Bentley though and they sorted out the whole thing (his fault)
Good for cyclists who like to cause mayhem on the roads...

For the majority of cyclists this is surely not needed?
Do the discounts outweigh the £10 eventual cost? My bike needs a bit of work so discounts would be nice...
Well if you're going to spend more than £100 in Halfords then it's worth it
eddyw

Good for cyclists who like to cause mayhem on the roads...For the … Good for cyclists who like to cause mayhem on the roads...For the majority of cyclists this is surely not needed?



Even cyclists that follow the rules of the road still encounter moron drivers that think they can squeeze past at pinch points / run red lights / bully them. Most accidents are caused by the motorist. Well worth having insurance if you ride regularly, just because of the minority of spastics behind the wheel.
Edited by: "hotukbeard" 26th Jun 2012
hotukbeard

Even cyclists that follow the rules of the road still encounter moron … Even cyclists that follow the rules of the road still encounter moron drivers that think they can squeeze past at pinch points / run red lights / bully them. Most accidents are caused by the motorist. Well worth having insurance if you ride regularly, just because of the minority of spastics behind the wheel.


In which case surely it is not your fault and you won't have to pay out anyway? Making the insurance not worthwhile?

I agree most cyclists obey rules etc. it just the minority that seem to ignore reds, ride 2 or 3 abreast - these are the tools that surely need this insurance
Its nice to see a responsible cyclist thinking about this. I detest most cyclist due to the idiots I see riding to work. Out of about 15-20 cyclists I avoid every morning only 2 I see are responsible & considerate to other road users.I know there are some good cyclists out there but I rarely see them so unfortunately the majority have given me an opinion I don't like to have & would like to shake off. I am actually a motorcyclist as well as a car driver so I'm not bias to cyclists.
rhinopaul

Its nice to see a responsible cyclist thinking about this. I detest most … Its nice to see a responsible cyclist thinking about this. I detest most cyclist due to the idiots I see riding to work. Out of about 15-20 cyclists I avoid every morning only 2 I see are responsible & considerate to other road users.I know there are some good cyclists out there but I rarely see them so unfortunately the majority have given me an opinion I don't like to have & would like to shake off. I am actually a motorcyclist as well as a car driver so I'm not bias to cyclists.



lol motocyclist really isn't like a cyclist.. I ride both, and there is a big difference between the way people treat me on both

drivers respect motocyclists (give them space, don't cut them off)... get on a pedal bike and watch what happens.. i cycle safely and don't go through reds, on pavements.etc yet the number of times idiots have almost hit me (most often the big SUVs or buses in fact) is crazy
As a motorist who likes to go fast, I've always wondered what I'd do when I inevitably hit a cyclist.

And do you know what? I hardly even noticed.
eddyw

In which case surely it is not your fault and you won't have to pay out … In which case surely it is not your fault and you won't have to pay out anyway? Making the insurance not worthwhile?I agree most cyclists obey rules etc. it just the minority that seem to ignore reds, ride 2 or 3 abreast - these are the tools that surely need this insurance



Those tools probably wouldn't bother with insurance when they can just ride away from an accident
Bleary123

As a motorist who likes to go fast, I've always wondered what I'd do when … As a motorist who likes to go fast, I've always wondered what I'd do when I inevitably hit a cyclist.And do you know what? I hardly even noticed.



LOL!
msharif911

LOL!


LOL lets laugh about causing someone serious injury/death
Bleary123

As a motorist who likes to go fast, I've always wondered what I'd do when … As a motorist who likes to go fast, I've always wondered what I'd do when I inevitably hit a cyclist.And do you know what? I hardly even noticed.


Stone cold KILLA
hotukbeard

Even cyclists that follow the rules of the road still encounter moron … Even cyclists that follow the rules of the road still encounter moron drivers that think they can squeeze past at pinch points / run red lights / bully them. Most accidents are caused by the motorist. Well worth having insurance if you ride regularly, just because of the minority of spastics behind the wheel.On the contrary it's the cyclists who cause havoc! Yes there are motorists who ignore the laws of the road but cyclists take upon themselves to being immortal. Good deal from op.

Would household Public Liability insurance not cover you against a claim?
I don't cycle, but i think this is a wise move.. You guys will be paying road tax next
Thanks to the mod for clearing up TyrantJB comments.

Back to the deal though... I'm only an occasional cyclist but for just over £10 this is a good deal. Especially with the additional discounts at Halfords amongst other places.
Why do cyclists in center of London mostly not have lights at night?
Worth it for the legal advice.

From a cyclist's point of view I see most problems in 2 situations:
Around schools at 'drop off' time (people always on double yellows etc) and when people judge your cycling speed incorrectly and 'fail' to overtake safely.
Its by no means all drivers though and I cant defend all cyclists either (there are some idiots!) but the thing to remember is that the car is designed to make the driver safe in a crash. The cyclist doesn't have that.
This sounds like a bargain.
Got the renewal for my cycle insurance yesterday and it's gone up from £81 to £106

However, my insurance does include:

Cover for fire or theft - 100% of sum insured (£1500)
New for old if cycle destroyed (not sure I'd be around to claim it if that was the case!)
Replacement hire - £125 a week
Emergency recovery - up to £200
Worldwide cover
Personal accident - up to £12,500
Public liability - up to £1.25 million
with £85 excess

Is it worth paying for the full monty or just going for the cheap and cheerful British Cycling Membership?

Oh, and some motorists are right tools too, it's not all the cyclists fault .. only today on the way to work a transit van overtook me and then hung a sharp left even driving over the pavement to make the turn and on the way home an idiot did the same in one of those Mitsubishi pick-ups (although not driving on the pavement) that and people blatantly parking in cycle lanes and using them as a guide as to how much they can stick their cars out onto the road (as far as I'm concerned they should get 2 tickets, one for parking in a cycle lane and one for parking on the pavement!).
hotukbeard

Even cyclists that follow the rules of the road still encounter moron … Even cyclists that follow the rules of the road still encounter moron drivers that think they can squeeze past at pinch points / run red lights / bully them. Most accidents are caused by the motorist. Well worth having insurance if you ride regularly, just because of the minority of spastics behind the wheel.



And yet a few hours ago I saw a cyclist run the red light as the motorists all stopped for those crossing. Doesn't matter which transport you choose there will always be idiots. That goes for motorbikes too, some real nutters.
Car and van drivers always say it's cyclists who are the morons - and yes, a small percentage are a menace to other roadusers - but often the majority of drivers only show cyclists reasonable respect is if there's a police car in the vicinity, it's oh so different then, that's for sure. I'd not recommend cycling to anyone.
Sycric

I don't cycle, but i think this is a wise move.. You guys will be paying … I don't cycle, but i think this is a wise move.. You guys will be paying road tax next



A friend has a Toyota Aygo. I keep telling them that the have no right to use the road and should move over when my Beemer is behind them as they do not pay vehicle excise duty.

daft topic for hotukdeals.
this is simply a way of extracting money from a cyclist
guaranteed there will be a road awareness test coming to a government office near you in the name of safety.
then registration and some form of tax
just whatever they can come up with
insurance for a push bike , whatever next !
This sounds like a bargain.
Got the renewal for my cycle insurance yesterday and it's gone up from £81 to £106

However, my insurance does include:

Cover for fire or theft - 100% of sum insured (£1500)
New for old if cycle destroyed (not sure I'd be around to claim it if that was the case!)
Replacement hire - £125 a week
Emergency recovery - up to £200
Worldwide cover
Personal accident - up to £12,500
Public liability - up to £1.25 million
with £85 excess

Is it worth paying for the full monty or just going for the cheap and cheerful British Cycling Membership?

Oh, and some motorists are right tools too, it's not all the cyclists fault .. only today on the way to work a transit van overtook me and then hung a sharp left even driving over the pavement to make the turn and on the way home an idiot did the same in one of those Mitsubishi pick-ups (although not driving on the pavement) that and people blatantly parking in cycle lanes and using them as a guide as to how much they can stick their cars out onto the road (as far as I'm concerned they should get 2 tickets, one for parking in a cycle lane and one for parking on the pavement!).
Not sure why it double posted .. but there you go.

Just scouted around and my current company is cheapest I can find, but I tried them online again and they've quoted £93 ???
Will ring them tomorrow

.. also, doesn't matter what type of vehicle you drive on the road, everyone has a right to be on it even cyclists because no-one pays "Road tax" anymore .. you pay "Vehicle Excise Duty" .. your taxed for owning a car that gives off a certain amount of emissions, the more emissions, the more you pay.
I actually don't find cyclists that bad just when they take a country back road which has loads of corners compared to a wide coastal route with a pleasant view but hey we are all probably going to end up on bikes an motorcycles cause of the price of petrol so thumbs up! Heat added!
I actually don't find cyclists that bad just when they take a country back road which has loads of corners compared to a wide coastal route with a pleasant view but hey we are all probably going to end up on bikes an motorcycles cause of the price of petrol so thumbs up! Heat added!
Is it 10% of everything in Halfords not just Cycling stuff ?
Or simply use promo code NEWCMRA to get the RIDE membership for £10.50 straight away.
Edit: £9.45 with the 10% DD discount.
Edited by: "Strzelecki" 27th Jun 2012
hotukbeard

Even cyclists that follow the rules of the road still encounter moron … Even cyclists that follow the rules of the road still encounter moron drivers that think they can squeeze past at pinch points / run red lights / bully them. Most accidents are caused by the motorist. Well worth having insurance if you ride regularly, just because of the minority of spastics behind the wheel.You sound just like one of the idiot morons who think they own the road. Everyday I see cyclists with your attitude. Just remember one thing, no matter how wrong the car driver may be your throne who will be lying in the road with a broken leg or some other unpleasant injury because you wouldn't yield at the narrow pinch point and lost to the car driver. Don't be a moron, be careful and avoid the car idiots. You will ALWAYS come off worse, even when it's not your fault.I ride a motorbike and we get the same abuse from car idiots, we have at least got speed to get out of the way. We still come off worst in collisions.Wise up a bit and got be so provocative of the road. You will last a lot long if you do. Ride safe, not smart ****, smug git!

kazooki

This sounds like a bargain.Got the renewal for my cycle insurance … This sounds like a bargain.Got the renewal for my cycle insurance yesterday and it's gone up from £81 to £106However, my insurance does include:Cover for fire or theft - 100% of sum insured (£1500)New for old if cycle destroyed (not sure I'd be around to claim it if that was the case!)Replacement hire - £125 a weekEmergency recovery - up to £200Worldwide coverPersonal accident - up to £12,500Public liability - up to £1.25 millionwith £85 excessIs it worth paying for the full monty or just going for the cheap and cheerful British Cycling Membership?Oh, and some motorists are right tools too, it's not all the cyclists fault .. only today on the way to work a transit van overtook me and then hung a sharp left even driving over the pavement to make the turn and on the way home an idiot did the same in one of those Mitsubishi pick-ups (although not driving on the pavement) that and people blatantly parking in cycle lanes and using them as a guide as to how much they can stick their cars out onto the road (as far as I'm concerned they should get 2 tickets, one for parking in a cycle lane and one for parking on the pavement!).



It's not illegal for a vehicle to turn left. If he is in front of you he will almost certainly have to slow down to turn. You have to slow down too, so that you don't run into the vehicle. If you don't understand that then you are a complete Muppetwho shouldn't been the road.

Whining that it was the drivers fault ain't gonna help you usher you have two busted legs. Don't be ba moron.
Hmmm .. if it wasn't for the fact that I'm riding along at around 25mph and then get overtaken by a car doing around 40, and then they want to turn left around 10 yards after they've overtaken me it wouldn't be a problem.
I drive a car as well, I see both sides and I'm aware cars have to turn left too, but rather than overtaking me and cutting me up meaning I have to jam on the brakes whilst fixed to my bike with clip on pedals, not an easy task, they could just slow down and wait an extra 5 seconds.
But obviously they own the road.
Nice intelligent name calling by the way .. I bet your mum is really proud
MonkeyBollox

It's not illegal for a vehicle to turn left. If he is in front of you he … It's not illegal for a vehicle to turn left. If he is in front of you he will almost certainly have to slow down to turn. You have to slow down too, so that you don't run into the vehicle. If you don't understand that then you are a complete Muppetwho shouldn't been the road.Whining that it was the drivers fault ain't gonna help you usher you have two busted legs. Don't be ba moron.



I think rule 182 of the Highway Code would beg to differ.
Wow monkeybollox........ this is why people should have to pass regular driving tests. Let me guess, mid 30's carrying a fair bit of timber (all paid for down the local) Bluetooth in ear talking about the 'biz' thinking youre in the fastest car on earth lol. Am I right or am I right?
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