“If I had my way, I would write the word ‘insure’ over every door of every cottage and upon the blotting pad of every public man, because I am convinced that, for sacrifice that are conceivably small, families can be secured against catastrophes which otherwise would smash them forever.”
I am a member of Cycling UK which provides third party liability insurance and cycle incident legal advice from a partner who will no doubt take your claim forward in a no win no fee / charge the other party basis if you have a good case. That costs about £7 a month and you get a membership to the group and in my view a jolly good bimonthly mag.
I also have some cover provided via House Insurance for legal assistance and bike theft (at home or away from home). Adding bike cover to my house home and contents insurance is cheaper. (Total home contents and bikes is about £125) But it can be a real faff at renewal time going through the quotes to find / check the cover is adequate, doesn't have ridiculous requirements and sensible excesses. All our bikes (including the kids frog bikes) are specified on the policy.
Some of the best financial advice I have ever been given is to only by insurance for defaqto 5 star policies.
As an aside I have over the years had a few occasions where I have been involved in incidents/ occurrences where simply saying "if you wish to claim you can take it up with my insurer" is sufficient to extinguish any claim / shut people up. including one where I was stopped and a moving car scraped down my handlebar.
