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IAM Cycliing membership - book and Accident Insurance for a family for £15
IAM Cycliing membership -  book and Accident Insurance for a family for £15

IAM Cycliing membership - book and Accident Insurance for a family for £15

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I originally wrote that this included 3rd party insurance. It doesn't. Its cover for your bike, legal expenses and physiotherapy after a non-fault accident. If you have home insurance, then you are probably already covered with 3rd party insurance.

The Institute of Advanced Motorists has a membership package for cyclists. For £15, you get

12 months IAM cycling membership

"How to be a better cyclist" book (normally £9.99)

IAM "Total Cycle Assist" policy, looking after you and your bike whilst on the road and in the event of an incident

* not just one bike but all the bikes in your household are covered
* you, your spouse and all your children are covered
* 24/7 helpline for immediate expert assistance
* £100,000 legal expenses insurance that covers your whole family
* Brand new replacement bike on a like-for-like, new-for-old basis
* Your bike repaired locally by highly trained people
* Private physiotherapy & treatment for your whole family
* Convenience & simplicity: all the hassle taken away
* Discounts, special offers & extras for your whole family

10% discount vouchers for Halfords.

Hi-viz draw string bag

You can also get just the insurance for £9 a year.

20 Comments

Banned

link doesnt work

does this cover theft?

Original Poster

iam.org.uk/vmc…tml has the link for the deal

This page has more on the Do you want to be a better cyclist? book iam.org.uk/do_…tml

At Amazon it is amazon.co.uk/How…923

There is more on the Total Cycle Assist 3rd party insurance at iam.totalcycleassist.co.uk/ind…cfm

I am a member of the Cyclists' Touring Club, ctc.org.uk partly for the 3rd party insurance. Family membership there costs £60 a year. You also get a magazine, but even so...
Edited by: "ahenry" 23rd Jan 2011

Looks interesting but the link's not working

Original Poster

The link has now been fixed
Edited by: "ahenry" 23rd Jan 2011

Banned

seems a little dodgy to me :-

If your bike is damaged beyond repair in a non-fault accident we will pay in full to replace it on a new-for-old like-for-like basis regardless of value.


All bikes can theoretically be repaired by replacing the damaged components. A bit like triggers broom
Edited by: "csiman" 23rd Jan 2011

I've been looking for something for a while but the insuance policy is not clear. Does it cover if the bije gets stolen from a bikelot?

Original Poster

csiman

link doesnt workdoes this cover theft?



I've reported the post to the mods.

This membership fee doesn't cover theft, but they can cover you for that too. The price for that depends on the value of the bikes. For bikes up to £1000, it came out as £119 a year. If you can get house insurance, then that will be cheaper, but the IAM policy might be worthwhile if you are in a shared house.

Original Poster

alien_

I've been looking for something for a while but the insuance policy is … I've been looking for something for a while but the insuance policy is not clear. Does it cover if the bije gets stolen from a bikelot?



The insurance that you get with the membership is for if you have an accident. It will cover you against claims from a 3rd party (for instance if you collide with a pedestrian). iam.totalcycleassist.co.uk/rep…cfm also says:

If you, your spouse or any of your children has an accident on any bike … If you, your spouse or any of your children has an accident on any bike where that accident is not your fault and the bike is damaged, we will pay in full to repair it.If the repair specialists, upon assessing the damage, deem that the bike is damaged beyond repair, then you will be entitled to a brand new bike on a like-for-like replacement basis.


iam.totalcycleassist.co.uk/tai…cfm has theft insurance, but that costs extra, and is more expensive for me than adding the cover onto my house insurance.
Edited by: "ahenry" 23rd Jan 2011

Banned

hot from me then

Original Poster

csiman

seems a little dodgy to me :-If your bike is damaged beyond repair in a … seems a little dodgy to me :-If your bike is damaged beyond repair in a non-fault accident we will pay in full to replace it on a new-for-old like-for-like basis regardless of value.All bikes can theoretically be repaired by replacing the damaged components. A bit like triggers broom



You could replace everything on a bike. However, then the labour cost will end up being more than the cost of replacing the bike.

The trickier thing would be how they would determine that something was a no fault accident.

Either way, getting 3rd party insurance and legal cover for a family is a good deal, along with an excellent book on safer cycling, to help you to avoid accidents in the first place.

A standard home insurance policy covers you for 3rd party liability when riding a bicycle so the policy will be of little value to most!

Does it trickytimes? I am covered re accident anyway because I have no money so anyone can't get a penny from me...rest is of intrtest.

Banned

bargainhunter666

Does it trickytimes? I am covered re accident anyway because I have no … Does it trickytimes? I am covered re accident anyway because I have no money so anyone can't get a penny from me...rest is of intrtest.


you can still be liable for an accident against any future earnings though

csiman

seems a little dodgy to me :-If your bike is damaged beyond repair in a … seems a little dodgy to me :-If your bike is damaged beyond repair in a non-fault accident we will pay in full to replace it on a new-for-old like-for-like basis regardless of value.All bikes can theoretically be repaired by replacing the damaged components. A bit like triggers broom



If you come off your bike and a bus drives over it there won't be a huge deal of it left to repair!

Banned

GAVINLEWISHUKD

If you come off your bike and a bus drives over it there won't be a huge … If you come off your bike and a bus drives over it there won't be a huge deal of it left to repair!


but in theory it could still be repaired lol

initial policy wording says only pays out if it cant be repaired but OP since found further info to reveal it will pay for any repairs too. Hence my intial thoughts on it being dodgy. Looks a good deal now.

Banned

do you think 'spouse' only applies to married couples or common law couples?

csiman

but in theory it could still be repaired lolinitial policy wording says … but in theory it could still be repaired lolinitial policy wording says only pays out if it cant be repaired but OP since found further info to reveal it will pay for any repairs too. Hence my intial thoughts on it being dodgy. Looks a good deal now.



If a bus runs over my road bike I assure you it wont be repairable!

csiman

seems a little dodgy to me :-If your bike is damaged beyond repair in a … seems a little dodgy to me :-If your bike is damaged beyond repair in a non-fault accident we will pay in full to replace it on a new-for-old like-for-like basis regardless of value.All bikes can theoretically be repaired by replacing the damaged components. A bit like triggers broom



But unlike Trigger's broom, to "rebuild" a bike component by component would cost significantly more than replacing it with a brand-new one, ergo the insurance company wouldn't go that route.
Edited by: "FewMenChew" 24th Jan 2011

Banned

FewMenChew

But unlike Trigger's broom, to "rebuild" a bike component by component … But unlike Trigger's broom, to "rebuild" a bike component by component would cost significantly more than replacing it with a brand-new one.


it states

If your bike is damaged beyond repair in a non-fault accident we will pay in full to replace it on a new-for-old like-for-like basis regardless of value.

Doesnt say anything about beyond economical repair

anyway, point is moot now.

Original Poster

I've read the details again and it doesn't include 3rd party insurance.

It is cover for you (physiotherapy) and your bike (repair or replacement) after a non-fault accident. I don't know if their definition of "non-fault" means "we can find someone that we can sue for damages"
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