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Out on a ride this evening and nearly got hit twice. Once by a car turning right across the road in front of me and once by a car pulling on to a roundabout that I was already riding around. I had lights on so it wasn't a visibility problem. Some vehicle drivers obviously see a bike and just think "Oh, they can't possibly be doing more than 10mph so I'll just carry on".
This has made me seriously look in to the options for insurance and legal cover. The 2 most popular choices are British Cycling and Cycling UK, but are there others to consider and which is 'best'? I am thinking in terms of speed of response, ease of communication, supporting a claim in case of an accident and general support for the cycling community.
My riding is commuting, leisure and touring. Not interested in or likely to ever enter a race.
If you aren't a racer, I think Cycling UK will support more projects that you are likely to want to support.
That said, I've not been over impressed with their legal team on my claim. Covid delays and bloody minded doctors haven't made it easy for them. I'd got an admission of liability from the other side's insurers before they'd agreed to take on my case.
Cycling UK for their work on trails. We have all added to the rights of way project to reclaim access to closed bridleways haven't we?
Most household insurance policies have legal expenses cover. I used mine when I was knocked off my bike and despite the driver (well her husband who wasn't even in the car) insisting she hadn't hit me my allocated solicitor stuck at them and in the end I received a fair payout for the injury I sustained.
If you’re relying on household insurance check it works the other way. With Cycling UK membership you’ll have indemnity insurance.
Thanks, all.
I have gone for Cycling UK with a £15 for 6 months introductory offer.
British Triathlon are cheaper than British Cycling.
Too late for the OP but if anyone else is interested.