wiggydiggy
Guru
I recently renewed my membership, but will probably let it lapse next time.
Reduced price for seniors is no longer offered - it's £52 pa for all adults - and 5 years for the cost of 4 has also been discontinued.
No longer worth it for me!
Thats cheeky! I just checked and they still offer a concessionary price for "receiving benefits, under 16s, students and carers" but they've dropped the pensioners price.
As a regular cyclist, I would recommend you are a member of one or the other or source your own third party insurance that you can rely upon.
I say this as someone who was sued by another cyclist - I got knocked off my bike, but also took down another cyclist in my fall. The driver legged it. Six months later, other cyclist sues me. BC got involved and settled. Could have been massively expensive and I'm not so sure household insurance would offer the cover level and piece of mind.
You have been warned.
Many with house insurance will actually have 3rd party liability when cycling included. I can't talk for every policy but if you have house insurance it's worth checking. My own policies have included a decent cover for years and most times this comes up some go check and "gosh, they have it anyway. Of course some wont have hous einsurance and maybe some policies are different or have constrainty but worth checking.
Ian
@fossyant 's example is exactly why I wanted something above and beyond my household insurance. I do have some legal/personal protection within the household insurance but I don't have the specialized advice and care that (I hope) having dedicated cycling insurance does. Just from a quick check of the policy the legal protection seems more geared at protecting me against legal expenses incurred in/around my home rather than cycling.