I have seen it stated in uk.rec.cycling moderated:

"Pretty much every household insurance policy
offered for sale in the UK covers third party insurance for all cycle
accidents of any member of the household. I'd challenge you to find
any that does not."


Is that really true - and how would one find out?

I suspect it is wishful thinking - but it would be useful to know if
it is true.

On 04/01/2011 20:04, JMS wrote:
I have seen it stated in uk.rec.cycling moderated:

"Pretty much every household insurance policy
offered for sale in the UK covers third party insurance for all cycle
accidents of any member of the household. I'd challenge you to find
any that does not."


Is that really true - and how would one find out?

I suspect it is wishful thinking - but it would be useful to know if
it is true.


Most household insurance policies provide Public Liability insurance
which include things which happen both on and away from the insured
premises - but they usually have exclusions (motor vehicle related
incidents, for example) so you'd need to read the small print to see
whether cycling incidents were covered.
--
Cheers,
Roger
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In message , JMS
writes
I have seen it stated in uk.rec.cycling moderated:

"Pretty much every household insurance policy
offered for sale in the UK covers third party insurance for all cycle
accidents of any member of the household. I'd challenge you to find
any that does not."

Is that really true - and how would one find out?

I suspect it is wishful thinking - but it would be useful to know if
it is true.

There are cyclists, then there are "people on bikes".

I wouldn't want to insure most of the "people on bikes" I see every day
darting on and off pavements and ignoring traffic signals, no lights
after dark, etc.
--
Gordon H
Remove "invalid" to reply

"Roger Mills" wrote in message
...
On 04/01/2011 20:04, JMS wrote:
I have seen it stated in uk.rec.cycling moderated:

"Pretty much every household insurance policy
offered for sale in the UK covers third party insurance for all
cycle
accidents of any member of the household. I'd challenge you to find
any that does not."


Is that really true - and how would one find out?

I suspect it is wishful thinking - but it would be useful to know
if
it is true.


Most household insurance policies provide Public Liability insurance
which include things which happen both on and away from the insured
premises - but they usually have exclusions (motor vehicle related
incidents, for example) so you'd need to read the small print to see
whether cycling incidents were covered.

Yes, home insurance does tend to cover a lot of stuff you might not
expect, such as loss of stuff when on holiday etc.

--
Andy

On 05/01/2011 20:43, Andy Pandy wrote:
"Roger wrote in message
...
On 04/01/2011 20:04, JMS wrote:
I have seen it stated in uk.rec.cycling moderated:

"Pretty much every household insurance policy
offered for sale in the UK covers third party insurance for all
cycle
accidents of any member of the household. I'd challenge you to find
any that does not."


Is that really true - and how would one find out?

I suspect it is wishful thinking - but it would be useful to know
if
it is true.


Most household insurance policies provide Public Liability insurance
which include things which happen both on and away from the insured
premises - but they usually have exclusions (motor vehicle related
incidents, for example) so you'd need to read the small print to see
whether cycling incidents were covered.

Yes, home insurance does tend to cover a lot of stuff you might not
expect, such as loss of stuff when on holiday etc.


True - but you usually have to pay an additional premium for (optional)
All Risks cover - which covers your valuables when away from the
premises - whereas Public Liability cover tends to be provided as standard.
--
Cheers,
Roger
____________
Please reply to Newsgroup. Whilst email address is valid, it is seldom
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On Jan 4, 8:04*pm, JMS wrote:
I have seen it stated in uk.rec.cycling moderated:

"Pretty much every household insurance policy
offered for sale in the UK covers third party insurance for all cycle
accidents of any member of the household. I'd challenge you to find
any that does not."

Is that really true - and how would one find out?

I suspect it is wishful thinking - but it would be useful to know if
it is true.

Usually under contents insurance it will cover occupiers and personal
liability which will cover insured and members of family (usually
defined in the 'meaning of words')for death, injury or damage to
property.
It would cover you if eg as a pedestrian you act negligently and cause
a road accident; similarly it does not usually specifically exclude
use of bicycles and in these circumstance would indemnify you for
third party liability.

Toom

Yes you are absolutely correct.

Cyclists should check their home contents insurance and consider third party cover against collisions.

They can also take out third party insurance to protect against collisions where you injure or hurt someone else or damage their property. Some insurance companies offer third party insurance as part of their theft insurance policy.

I'm a cycler I don't know about home and contents insurance cover for cyclists but I have used cycleguard for the last couple of years which covers me. Living in London and cycling to and from work you definitely need cover these days.

I don't know much about it but I think its right which you have said in this post.

Yes, I agree it is important to keep check on all your finances well to avoid any finance stress and confusion in UK