If there was ever a case for some kind of insurance for cyclists this is it.
I agree - Fraud is the main problem with such optional insurance (and probably lots of other insurance too). The alternative is claim from a Local Authority and the amount of fraud would be astronomical too. Whatever way you look at the situation here it comes down to Personal Responsibility and luck.There is no case for any kind of insurance. Can you imagine the amount of fraud which would take place? The premiums would be astronomical. You would be paying for my fraudulent claim.
Brendan
I don't understand this.There is no case for any kind of insurance. Can you imagine the amount of fraud which would take place? The premiums would be astronomical. You would be paying for my fraudulent claim.
Brendan
Personal insurance may well be a sensible idea for cyclists, but I'd question the 'accidents are just accidents' thinking. There is a huge movement worldwide to move away from 'accident' terminology. https://www.forbes.com/sites/carlto...t-road-collision-reporting-guidelines-issued/If there was ever a case for some kind of insurance for cyclists this is it. Every time I cycle I know there's the possibility that I'll have some kind of accident. Personal Responsibility comes into this. Accidents are just that i.e. accidents. Nobody sets out to fall from a bike, it just happens. Our roads are not perfect for cyclists, so what! - We have the choice use or don't use. I cycle mainly on greenways and even those are not free of accidents. But, at least I feel safer cycling in such places.
It's the same with walkers, if for some reason you fall, you fall - another accident. If the accident is life changing it's that but again Personal Responsibility comes into the equation.
I hope the OP somehow recovers from the injuries received.
Who is to say where the accident happened if there are no witnesses?I don't understand this.
Insurance is to cover loss. My house is insured, it it burns down I'm covered, even if it was due to my negligence.
Unless you are suggesting a cyclist would deliberately throw themselves off their bike and suffer substantial injury where is the scope for fraud.
There is no case for any kind of insurance. Can you imagine the amount of fraud which would take place? The premiums would be astronomical. You would be paying for my fraudulent claim.
Brendan
I'd have no problem paying for fully comp insurance if it was reasonable like car insurance ie. a couple of hundred euro a yearI'm struggling to see any difference between the need for motor insurance, and cycle insurance, tbh.
*theft
*personal injury
* third party injury or damage
I find it strange how any cyclist that I've ever tried to discuss this with, seems to be opposed to the idea of all cyclists having insurance.
Wow that must be an amazing bike€12K bike, it's not cheap if they even quote at all!!
I'm struggling to see any difference between the need for motor insurance, and cycle insurance, tbh.
* third party injury or damage
For theft it can be insured under household contents.The insurance is high becasue it is much easier to steal a bike than to steal a car
Once the bike is stolen, it can easily be sold on whereas selling on a stolen car is much more difficult
The website isnt very good... I eventually found this:Hi Odyssey
That is a bicycle insurance website. I got a quote for a bike worth £500 and €1m of third party insurance but no cover for my own personal injuries and it is £96 a year.
I don't really know what the bike cover actually covers. Theft? Damage?
Brendan
Hi Mr Earl
How is your physics?
T = W x D x S
where T = the annual threat of third party injury posed by the vehicle
W = the weight of the vehicle
D = the average annual distance travelled of the vehicle
S = the average speed of the vehicle
This will tell you why bicycles don't need third party injury insurance and cars do.
Brendan
We use cookies and similar technologies for the following purposes:
Do you accept cookies and these technologies?
We use cookies and similar technologies for the following purposes:
Do you accept cookies and these technologies?