According to a story today on Onlyfinance.com the nation’s cycle commuters are all doomed! DOOMED! I TELL YOU! Alright maybe it’s not that apocalyptic but we are all sitting on a “Compensation timebomb”. Mind you that warning does seem to come from James Pickering, chief Exective of Cycleguard – a bike insurance provider. The gist of the argument is that there’s been massive rise in the number of commuting cyclists, particularly in London, and a subsequent rise in the number of accidents involving cyclists and pedestrians which must mean a possible increase in levels of third party claims against cyclists. Possibly. Speaking to Onlyfinance.com James Pickering, Managing Director of Cycleguard, said: "Most cyclists don’t give third-party insurance any thought. Cycling is safe and healthy, but it’s dangerous to ignore the threat of legal action in the event of an accident. Although some household insurance policies offer a degree of third-party cover, many exclude road traffic accidents." Cycleguard also encouraged bicycle riders to think about taking out personal liability insurance, which can help them financially, should they need to pay for legal fees or with compensation claims. Mr Pickering added: "You wouldn’t dream of getting in a car without some sort of insurance in case you get badly injured, so why people think this is any different for cyclists is beyond me." Well one reason might be that the chances of being badly injured on a bike are actually quite small – cycling is one of the safest pastimes there is with a death rate on a par (excuse the pun) with golf. And conversely the more people that cycle the safer it gets. While the numbers of people injured by cyclists might be rising, might, if it is it is doing so from a tiny base. The numbers of people killed by cyclists in the UK is also small, the average is less than one death a year, you are about as likely to be killed by a skateboard. Compulsory insurance for cyclists would therefore be a nice little earner for the insurance industry – particularly as the premiums currently being charged, although they appear low when you think about the risk to the insurer of actually having to pay out on them, compared to, say, motor insurance, might actually be quite high. One other point the insurance industry don’t address: if cycling is so dangerous, and if such a tiny proportion of today’s cyclists have third party cover – why aren’t we already hearing loads of stories about cyclists being sued? If you’ve got a valuable bike, making sure it is covered by insurance seems a bit of a no-brainer, and equally some sort of third party cover is probably a good idea for everyone not just cyclists, but it has got to be at a price the reflects the actual risk of a claim. If you are in the market for insurance Cycleguard’s Roadcare policy offers third party cover and a measure of personal injury cover for £26 per year which in the current market is not a bad deal. Insurance is also an integral part of both British Cycling’s and CTC’s membership package. Gold membership of BC includes a full racing licence, loads of other benefits, third party cover, legal advice, and personal injury cover – senior Gold membership costs £62, there’s a family Gold package for £134. Everyday Cycling (British Cycling’s offshoot for non-competitive cyclists) offers membership for £2 a month which amongst other benefits includes £10 million of third party cover and legal advice should you have an accident. All CTC members are covered by £10 million third party insurance and 24 hour legal advice. Standard membership is £35, family membership £57.
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Insurers warn of cycle commuter “Compensation time bomb”

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The problems mentioned in this article are far more wide-ranging than simply affecting the viability of hiring Saturday lads/lasses. Fixing bikes or selling bikes now requires so much more skill and knowledge than it did 10-20 years ago, but the pay is still rubbish, partly because public perception is that the job is easy and is just a hobby. Therefore people with the ability to be good at the job are not encouraged to stick around and they look elsewhere for a career that can earn a decent wage. I don't enjoy the fact that half the bikes that I work on have almost-unique parts that requires odd techniques, tools, or parts to repair and I first have to research what I need for many of them (despite having 20 years of experience). I'm now getting so much work that I could consider hiring someone else, but it would be impossible to find a skilled person who would work for the wage I can offer and it would take far too much of my time to train someone to a level where they can do more than the simplest 10% of the jobs that come in (whereas 10-20 years ago, after a small amount of training they probably could have done 30+% of the jobs). The complexity and uniqueness of modern bikes is apparently necessary to sell them, but soon there are going to be no mechanics left who will work for the wages that people are prepared to pay. At some point, people are going to have to admit that bike mechanics and salespeople are highly skilled and knowledgeable and should be reimbursed accordingly. Or, everyone can just order bikes online and watch YouTube repair videos and end up with a bike that barely works and isn't safe; but that's fine because they're just simple kids' toys, right?
I think the author is trying too hard to "both sides" this one. The basic error is Gove's - he was wandering across a pedestrian crossing on red for him with his head in a cup of coffee, and started well after it was on red. The Highway Code says "should not cross" in these circumstances. He then tried to excuse this by red herrings. Conservatives, including Gove, are supposed to have taking personal responsibility for their actions as a core value. Perhaps having the crooked coward Boris Johnson and Fruit Loop Liz as elected leaders demonstrates that this is merely historical. Gove is permitting a culture war being fought in the pages of his magazine; that is a war where Conservatives are demonising cycling because they hope it will save the rump Conservative Party. One example was their sudden reversal of support for the Welsh 20mph default limit. Should noodles have reacted less sharply - perhaps. A chat with Michael Gove to stop him wandering around the streets like a lobotomised koala may have been beneficial.
@mdavidford Funny, as soon as I saw your comment on the ticker on another article I knew to whom you must be replying.
@mctrials23 People have been suffering for years because they have been unlucky enough to have been hired by bad people, or had the bad luck to become ill. This is just bringing the system more into balance. I don't have a problem with encouraging people to start businesses but I don't agree with doing it by letting them exploit the poor and the desperate, if they need encouragement then offer state benefits for small businesses and use the claims process to make sure that they are doing everything they should to run the business properly including paying and training their employees. If they just want to get rich quick by exploiting others then they should be in the USA.
One may wonder why you've brought up DEI when it has nothing at all to do with anything in what Lappartient said. Or why you care about the state of the women's sport if you're so down on diversity, equity and inclusion. 🤷♂️
Not quite the first time, I rode over it back in the late twentyteens, just happened to see it was jammed nose-to-tail so thought it would be fun to filter along...turned out there was an overturned lorry at the eastern end blocking all carriageways. I honestly didn't know cycling was banned (the signs aren't very prominent), just assumed nobody rode on it because it would be suicidal in normal circumstances. Fortunately the weary copper at the other end who saw me just cut off my apologies and said, "Fuck off over there [a gap in the barrier to a slip road] and don't do it again."
They're not slalom barriers, they're Sheffield stands for parking your bike.
@momove I would think that spending time training someone up, putting the time and effort into that only to have most people move on relatively quickly isn't a great business model. I know there is the argument that "if your business has to take advantage of people to run then its not a viable business" but thats the reality of some of these shops. Up to a point, thats exactly what apprenticeships have always been. A business get cheap labour that might help them a bit and the apprentice learns something.
One may wonder why bureaucrat Lappartient wants to reinvent the wheel with a massive injection of DEI and drastic reduction of money. Let the best cyclists win, period. Meanwhile, women's pro peloton needs means and support to attract new sponsors, increase TV coverage, improve salaries and prize money.
So they want to pay people a pittance "for the experience", not record their leave accrued, have them ineligible for sickness pay, then complain about them not being experts on e-bikes, bikefitting and more?
2 thoughts on “Insurers warn of cycle commuter “Compensation time bomb””
Surely the main reason most
Surely the main reason most people wouldn’t dream of getting in a car that wasn’t insured is because it’s illegal to drive one without insurance? Bet if it wasn’t a legal requirement there’d be plenty of people who would get in one (plenty drive uninsured now), most of us don’t think we are going to have a crash whenever we get into our cars
I’ve had to pay out
i had to pay £400 to some woman once to repair her Volvo after i ran in to the back of her when i was cycling with the flu (not recommended). that’s in 20 years of cycling which would have cost me at least £500 in cover, looking at the figures quote above. so i guess i’m up on the gig so far…