The CycleChat Helmet Debate Thread

[deptfordmarmoset]

I believe I have 3rd party cover from both LCC and CTC. Neither of these appear to have a helmet get out for insurance reasons. What do you get from Wiggle (if you're in an approved helmet) that you don't get with those 2?

 

[Absinthe Minded]

I believe I have 3rd party cover from both LCC and CTC. Neither of these appear to have a helmet get out for insurance reasons. What do you get from Wiggle (if you're in an approved helmet) that you don't get with those 2?

I dunno, I'm not familiar with what the LCC & CTC offer in their policies, so can't compare to what Wiggle are offering me.

 

[srw]

I believe I have 3rd party cover from both LCC and CTC. Neither of these appear to have a helmet get out for insurance reasons. What do you get from Wiggle (if you're in an approved helmet) that you don't get with those 2?

A large bill from Wiggle.

 

[Absinthe Minded]

A large bill from Wiggle.

I thought it pretty reasonable to be honest.

 

[ufkacbln]

Why would you be unclear about it covering you? You just pick one of their 'supported' certifications and that's it. If you've already got a helmet that isn't one of those then you just email them and ask are you covered.

You continue to claim a "list", yet have failed to give details, you refer to "supported specifications", yet again appear to be referring to the poorly worded statement "EN1078 Snell"

Your "list" of certified helmets appears to be the statement "EN1078 Snell", hardly a comprehensive list?

... and you don't need to send me a copy of your policy. I have read the the full details of the policy as they are published here

As for having to write to the company to see if my helmet is valid if I suffer an injury, then it strikes me that this is an absurd state of affairs

 

[MontyVeda]

time to get this out again....

colombelin

 

[srw]

I thought it pretty reasonable to be honest.

£24 a year is the same as you'll pay for affiliate membership of the CTC through an affiliated club. That will buy you third party liability with a £10m limit, instead of the £1m that Wiggle offers. You don't get the PA cover, although as you've identified there are serious issues with the wording of that in the Wiggle package - and you don't get the medical cover - athough a grand total of £600 of cover might just get you into the waiting room of a private surgery.

I've seen a number of insurance policies in my time, and the Wiggle one doesn't strike me as the strongest. I'd be interested in anyone who's managed to make a claim.

 

[Absinthe Minded]

You continue to claim a "list", yet have failed to give details, you refer to "supported specifications", yet again appear to be referring to the poorly worded statement "EN1078 Snell"

All I am saying is that this is what it says on my policy. What more do you want from me?

Your "list" of certified helmets appears to be the statement "EN1078 Snell", hardly a comprehensive list?

That's their list, not my list.

... and you don't need to send me a copy of your policy. I have read the the full details of the policy as they are published here

Good.

As for having to write to the company to see if my helmet is valid if I suffer an injury, then it strikes me that this is an absurd state of affairs

I know, imagine the inconvenience of having TO ACTUALLY EMAIL somebody. It's a joke.

Now, please, please leave me alone - these are the policy's words, not mine - I am just passing them on. Please try to understand that before one of us dies.

 

[ufkacbln]

All I am saying is that this is what it says on my policy. What more do you want from me?That's their list, not my list.Good.I know, imagine the inconvenience of having TO ACTUALY EMAIL somebody. It's a joke.

Now, please, please leave me alone - these are the policy's words, not mine - I am just passing them on. Please try to understand that before one of us dies.

OK
1. There is no list on the Wiggle policy documents
2. You claim there is a list that is different from the one on the Wiggle documents
3. You refuse to give details of the claimed list, or state what "your" document actually says

I will come to my own conclusion about the actual existence of this "list" that cannot be quoted, nor details given

Even Wiggle and Red Sands appear to be unaware of "your" list

 

[Absinthe Minded]

@MontyVeda

 

[Absinthe Minded]

£24 a year is the same as you'll pay for affiliate membership of the CTC through an affiliated club. That will buy you third party liability with a £10m limit, instead of the £1m that Wiggle offers. You don't get the PA cover, although as you've identified there are serious issues with the wording of that in the Wiggle package - and you don't get the medical cover - athough a grand total of £600 of cover might just get you into the waiting room of a private surgery.

I've seen a number of insurance policies in my time, and the Wiggle one doesn't strike me as the strongest. I'd be interested in anyone who's managed to make a claim.

OK, many thanks for this - it's nice to get a comparison as its my first time with insurance. Much obliged.

 

[srw]

OK
1. There is no list on the Wiggle policy documents
2. You claim there is a list that is different from the one on the Wiggle documents
3. You refuse to give details of the claimed list, or state what "your" document actually says

I will come to my own conclusion about the actual existence of this "list" that cannot be quoted, nor details given

Even Wiggle and Red Sands appear to be unaware of "your" list

*ahem*
You might like to wind your neck in a little. Here's the first post in this unedifying spat that refers to a "list".

Care to post the paragraphs that confirm this?

In none of the 20 pages of the Polcy Wording does it list helmets, it would be interesting to see the actual statement that gives lists of certified helmets

I think it's a pretty poor piece of policy wording that fails a number of basic tests as to what is fair to the buyer.

 

[ufkacbln]

I think it's a pretty poor piece of policy wording that fails a number of basic tests as to what is fair to the buyer.

With the poor wording and the "need" to email to find out simple details that should be obvious, it is indeed a dubious policy

Yet unsubstantiated claims have been made about this detail and remain unverified.

I am free to make my own conclusions about those claims

 

[Absinthe Minded]

Yeah, wind your neck right in. I was just looking and you were the one to bring up this imaginary list. And I am not wasting any more time on this as it is truly:

Unedifying

And that is the only edifying thing to come out of this; that I learned a new word, and that wasn't even from you.

 

[Justinslow]

With the poor wording and the "need" to email to find out simple details that should be obvious, it is indeed a dubious policy

Yet unsubstantiated claims have been made about this detail and remain unverified.

I am free to make my own conclusions about those claims

You are free to argue with anyone about anything...................again.