Theoretically, wouldn't have using said wing mirror prevented it's untimely demise?Wing mirrors on modern cars are flippin expensive things. Next car I get will have a button wot I can press so it can retract its wing mirrors before I drive it into the garage. Not that a skilled individual like myself would ever need such a thing ...
Smashed into a stationary car and broke off wing mirror. Ouch,ouch,ouch
- Thread starter bonker
- Start date
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Profpointy
Legendary Member
£280 to replace a cycle wheel. I can get a complete bike for £60 in Toys-r-us
(see what I did there?)
Not in this case.The OP said the car was stationary and he rode into the mirror.
Dogtrousers
Kilometre nibbler
@.stu was referring to how I got to know how expensive mirrors are, and how narrow my garage door is, not the OP.
Oops. So he was. Mea culpa.
I like Skol
A Minging Manc...
- Location
- Sunny Ashton-under-Lyne
OK, I don't think I am going off topic here as the OP's contributions seem to be encouraging a debate about the pros' and cons' of liability insurance for cyclists?
I have been considering insurance myself for a good while (probably over a year) and the suggested BC Ride membership sounds almost ideal except for 2 sticking points which forum members might be able to help me with?
Having briefly read the T&Cs I see that incidents between BC members are not covered. This is fine in as much as I consider it is intended to avoid claims following conflicts in a competitive environment. My problem is that as a mainly utility rider who does around 80%+ of my mileage on the commute with the rest on family and forum leisure rides. I can easily foresee a situation where I am randomly involved in a collision with another BC member (whether they are riding or driving) while on the commute or out and about in the countryside. The T&Cs specifically exclude this from the cover. I have just rung their help/info line and BC have confirmed that my understanding is correct but it is considered on a case by case basis and such an incident 'may' be covered once the situation has been reviewed by their legal panel??? Now I may be worrying about a slim chance here but I consider my scenario to be not insignificant given the growing popularity of cycling and BC membership. If I were to take out the Ride Membership I would like to know exactly what I am insured for, nor what they 'might' choose to cover!
The second issue I have is that I have 2 young sons age 8 and 11 that are also becoming keen cyclists and I enquired about the availability of a family membership (It would be foolish and hypocritical of me to insure myself but not them?). Single membership is £32. Family membership has to include 2 adults (no problem, my wife cycles maybe 1/2 a dozen times a year) and costs £72! Is it me or does that seem a bit steep?
What is the legal position on liability responsibility of minors? I know as a parent I may feel morally responsible to put right any damage they do but if something serious happened due to the actions of my young children would I or they be legally liable?
So what do I do? BC Ride membership sounded ideal until I looked in to it.
I have been considering insurance myself for a good while (probably over a year
) and the suggested BC Ride membership sounds almost ideal except for 2 sticking points which forum members might be able to help me with?Having briefly read the T&Cs I see that incidents between BC members are not covered. This is fine in as much as I consider it is intended to avoid claims following conflicts in a competitive environment. My problem is that as a mainly utility rider who does around 80%+ of my mileage on the commute with the rest on family and forum leisure rides. I can easily foresee a situation where I am randomly involved in a collision with another BC member (whether they are riding or driving) while on the commute or out and about in the countryside. The T&Cs specifically exclude this from the cover. I have just rung their help/info line and BC have confirmed that my understanding is correct but it is considered on a case by case basis and such an incident 'may' be covered once the situation has been reviewed by their legal panel??? Now I may be worrying about a slim chance here but I consider my scenario to be not insignificant given the growing popularity of cycling and BC membership. If I were to take out the Ride Membership I would like to know exactly what I am insured for, nor what they 'might' choose to cover!
The second issue I have is that I have 2 young sons age 8 and 11 that are also becoming keen cyclists and I enquired about the availability of a family membership (It would be foolish and hypocritical of me to insure myself but not them?). Single membership is £32. Family membership has to include 2 adults (no problem, my wife cycles maybe 1/2 a dozen times a year) and costs £72! Is it me or does that seem a bit steep?
What is the legal position on liability responsibility of minors? I know as a parent I may feel morally responsible to put right any damage they do but if something serious happened due to the actions of my young children would I or they be legally liable?
So what do I do? BC Ride membership sounded ideal until I looked in to it.
fossyant
Ride It Like You Stole It!
- Location
- South Manchester
BC Silver here, and it's worth it for the legal cover and access to Leigh Day Solicitors. Haven't needed the third party, even when leaving a head shaped dent in a taxi (my fault). As for minors, then they can't be held liable.
If you were to say crash into a BC member's car by accident, then I'm sure they would cover you. It's more a mistake on the road like on a club run. There was that case where some club rider tried to sue another rider for not pointing out potholes.
Just get ride - it's cheaper than Silver.
If you were to say crash into a BC member's car by accident, then I'm sure they would cover you. It's more a mistake on the road like on a club run. There was that case where some club rider tried to sue another rider for not pointing out potholes.
Just get ride - it's cheaper than Silver.
subaqua
What’s the point
- Location
- Leytonstone
OK, I don't think I am going off topic here as the OP's contributions seem to be encouraging a debate about the pros' and cons' of liability insurance for cyclists?
I have been considering insurance myself for a good while (probably over a year
Having briefly read the T&Cs I see that incidents between BC members are not covered. This is fine in as much as I consider it is intended to avoid claims following conflicts in a competitive environment. My problem is that as a mainly utility rider who does around 80%+ of my mileage on the commute with the rest on family and forum leisure rides. I can easily foresee a situation where I am randomly involved in a collision with another BC member (whether they are riding or driving) while on the commute or out and about in the countryside. The T&Cs specifically exclude this from the cover. I have just rung their help/info line and BC have confirmed that my understanding is correct but it is considered on a case by case basis and such an incident 'may' be covered once the situation has been reviewed by their legal panel??? Now I may be worrying about a slim chance here but I consider my scenario to be not insignificant given the growing popularity of cycling and BC membership. If I were to take out the Ride Membership I would like to know exactly what I am insured for, nor what they 'might' choose to cover!
The second issue I have is that I have 2 young sons age 8 and 11 that are also becoming keen cyclists and I enquired about the availability of a family membership (It would be foolish and hypocritical of me to insure myself but not them?). Single membership is £32. Family membership has to include 2 adults (no problem, my wife cycles maybe 1/2 a dozen times a year) and costs £72! Is it me or does that seem a bit steep?
What is the legal position on liability responsibility of minors? I know as a parent I may feel morally responsible to put right any damage they do but if something serious happened due to the actions of my young children would I or they be legally liable?
So what do I do? BC Ride membership sounded ideal until I looked in to it.
CTC affiliate through Dell wot does the FNRttC
or CTC full family membership for £50 for 18 months if you DD it.
jefmcg
Guru
I just checked, CTC does cover for other members
Anything else seems crazy. An accident in a group ride is most likely to involve other group members, yet they aren't covered?
jefmcg
Guru
Um, you seem to have neglected your most notable encounter with a wing mirror
And that's a good example where having insurance means you don't have to even consider the driver making a claim against you. On less thing to worry about.
nazzurro19
Active Member
- Location
- norwich
whos to say it was a colour coded electric and heated wing mirror?
nazzurro19
Active Member
- Location
- norwich
why not have a second hand car part i doubt the car was brand new
nazzurro19
Active Member
- Location
- norwich
not really no what did you do? i doubt the women who had a basic cheap wing mirror got the most expensive as an upgrade, so whats your point....
