insurance & licencing for cyclists?

by 143Pedros   May 19, 2013  

Is it time for us cyclists to take out insurance for our own actions instead of relying on third party insurances that will not usually pay out. Having watched fellow cyclists flout normal rules, we are only a few moments away forum one of our forum being sued by a pedestrian/motorist for causing an accident. Also perhaps paying some moderate licence fee would also prevent the motoring lobby pointing out that we do not contribute to road maintenance like they have to?
If we are treated equal then we can demand equal treatment all round!!

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but as a car owner/driver I already pay for the "joy" of
using the Bristish road systems one way or another Angry

still on the 3rd switch-back of Bwlch !

posted by therevokid [693 posts]
19th May 2013 - 17:52

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Join BC or CTC. That way you get insurance, plus the benefit of funding one of the campaigning organisations.

posted by jimmo62 [59 posts]
19th May 2013 - 18:08

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As said join bc or ctc for public liability insurance. My bike is insured for damage. I hold licences for a motor bike a car and trains. I'm also a member of AIM really don't think I need a licence to ride my bike

posted by crash144019 [47 posts]
19th May 2013 - 18:39

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The Troll door is that way >>>>

Insurance is an option for many that have high end bikes.

License fee? Wise up.

As for a license fee being used on road maintenance, there is NO specific taxation that goes on the roads. So in a way, we ALL pay for the roads already.

Also, do you see bike's damaging road surfaces through normal use? NO, its the larger vehicle's that do this.

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posted by Gkam84 [8760 posts]
19th May 2013 - 19:14

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I took BC membership for that very reason, I commute through London and was worried about either actually damaging a car or being accused of it even if it wasn't my fault and not having the means to defend myself against an insurance company. The option is there if you want it.

posted by mattyb95 [28 posts]
19th May 2013 - 19:43

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To be legal to drive a car in the UK, you only need 3rd party, fire and theft insurance. The cost of this is calculated on the statistical probability that you'll crash into someone/something else and cause a fair bit of damage. In a car, that probability is high enough that everyone needs to pay for insurance. For bikes, the probability that you'll kill someone is less than f*ck all, therefore insurance costs should reflect this.

posted by j1mmy76 [63 posts]
19th May 2013 - 20:10

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Actually, in a correction to my previous post, the minimum legal requirement for car insurance is 3rd party only.

posted by j1mmy76 [63 posts]
19th May 2013 - 20:15

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I already pay Council Tax and Income Tax and pay the same utilty companies who dig up *my* road and then leave it to break into potholes forcing me to ride further into the road; so no-thanks to your licence.

and yes I am a BC member, so I can get into the front of events, not to insure for other peoples bad driving.

Between the S and the LOW

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posted by bikeboy76 [1223 posts]
19th May 2013 - 20:17

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If we did all take out insurance and have the laws changed it wont make a blind bit of difference. This is the mentality we're dealing with - scan through twitter and you'll see hundreds of hatred tweets about "slow cyclists".

https://twitter.com/bigjohn8910/status/336199529688866817

https://twitter.com/EMOJIONAL/status/336172592501231616
https://twitter.com/NorwichPoliceUK/status/336173950537179136

Kudos to Norwich Plod

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posted by downfader [195 posts]
19th May 2013 - 22:16

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Quote:
Having watched fellow cyclists flout normal rules, we are only a few moments away forum one of our forum being sued by a pedestrian/motorist for causing an accident.

Do you work for an insurance company?

Deja vu:
http://road.cc/content/news/48281-cyclist-urged-get-more-insurance-by%E2...

All sorts of people flout rules, it's human nature. However, drivers present a far greater risk to other road users than cyclists or pedestrians. Would pedestrians have to take out insurance too?

Surely it would be better to target the many thousands of drivers (estimated at 4% of the total) who don't have any insurance?

Compulsory licensing etc has been done to death. Read and learn:
http://ipayroadtax.com/licensed-to-cycle/licensed-to-cycle/
Some more chilling stats:
http://road.cc/content/news/51004-more-600-drivers-imprisoned-killing-so...

The day cyclists are "treated equally" on the roads (and in the courts) is the day that we won't need any insurance at all.

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posted by Simon E [1939 posts]
20th May 2013 - 12:07

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