Dangerous Cycling

[j2 lot]

Wasn't even aware it existed but the Police have just advised that the cyclist that ran into me knocking me off my motorbike is being charged with the offence of 'Dangerous Cycling', fine of up to £2500 if found guilty
I hope for his sake (and mine too actually) that he has insurance.

[Dominic]

Wasn't even aware it existed but the Police have just advised that the cyclist that ran into me knocking me off my motorbike is being charged with the offence of 'Dangerous Cycling', fine of up to £2500 if found guilty
I hope for his sake (and mine too actually) that he has insurance.

Never heard of that either.

I doubt many cyclists would have insurance - not something I have ever thought about. I suppose the most might be to cover loss or damage of a bike if it's listed on the house insurance - as for third party liabilities....

[j2 lot]

Police suggested there may be 3 routes of cover, he has his own cycling policy, is covered by a cycling club or group, or via his home insurance.
My Legal cover through the bike insurance are being particularly useless and will only instigate a claim if they know cover exists and they aren't willing to investigate if it does but will be happy to take out a claim if I find he has cover
My loathing of Insurance industry incompetence is ever increasing.

[scott_e]

Wasn't even aware it existed but the Police have just advised that the cyclist that ran into me knocking me off my motorbike is being charged with the offence of 'Dangerous Cycling', fine of up to £2500 ...

Wow thats news to me. Better stop running them red traffic lights

[robin]

Police suggested there may be 3 routes of cover, he has his own cycling policy, is covered by a cycling club or group, or via his home insurance.
My Legal cover through the bike insurance are being particularly useless and will only instigate a claim if they know cover exists and they aren't willing to investigate if it does but will be happy to take out a claim if I find he has cover
My loathing of Insurance industry incompetence is ever increasing.

Ask them where in the small print it says this; claiming against uninsured 3rd party is very much the sort of thing you might expect legal cover to, err, cover. If it doesn't and it's not been made clear, you could well ask for all your premiums back ... and start a PPI style avalanche in the process. In fact what you should be asking them is "what does my legal cover, err, cover that my normal cover doesn't, err, cover".

It should go without saying that I never take out any legal cover.

Cheers,
Robin

[Scotty C]

What next dangerous pedestrians?

[j2 lot]

.

It should go without saying that I never take out any legal cover.

Cheers,
Robin

I don't normally either especially for cars but I took it on the bike as it was affordable and on the basis that if anything really bad happened Ann would have someone else dealing with it. Well something bad happened and Ann made the initial call when I was in hospital and I followed up a few days later only to find that there were 3 totally separate policies with different claims numbers and procedures, although I made one single payment to a well known Broker.
I am now sufficiently recovered to go back to the broker to get some answers and service, needless to say my future policies will be for basic no frills cover.

[robin]

That really sucks ... best of luck!

Cheers,
Robin

[Doc883]

Wasn't even aware it existed but the Police have just advised that the cyclist that ran into me knocking me off my motorbike is being charged with the offence of 'Dangerous Cycling', fine of up to £2500 if found guilty
I hope for his sake (and mine too actually) that he has insurance.

Did the cyclist cross your path casuing you to swerve to miss him or did he actually collide with you. Presumably if the latter he came off 2nd best ?
I have a British Cycling Silver Policy which provides me with £10m 3rd Party Liability Insurance, worth a look for any cyclists

[j2 lot]

He u-turned in front of me resulting in a high speed coming together . We were both injured and hospitalised, he had multiple cuts and grazes and 2 fractured limbs. I suffered a badly broken shoulder and have been told to expect a permanent 20-30% loss of mobility in the joint and might yet need a shoulder replacement op.
Although he doesn't remember the accident, as he was knocked out, his 2 cycling buddies and a passing driver all gave statements to the Traffic Police that he was to blame.

[Jeremy]

A wise man once told me never to take legal cover with a motor insurance policy. Reason being, in the event of an accident they will simply sell your details on to an Ambulance Chaser who will try to make a quick buck out of you. And why pay for this when you can just appoint your own one for free. Thankfully I've never, touching wood, had to put this to the test but it seems to make sense.

Sorry to hear about your misfortune, hope you get it all sorted out and make a speedy recovery.

Regards,

Jeremy

[flyingscot68]

What next dangerous pedestrians?

One of our taxis mowed down a pedestrian a few years back in Cathkin.

The pedestrian was a drunk heroin addict and he suffered two broken legs and a broken arm amongst other things.

The police charged him with disorderly conduct and breach of the peace. Dunno if it came to anything but I was really surprised the driver got nothing. They didn't even do a breath test.

Sorry to hear of your woes Keith but unfortunately I'm not surprised in the slightest. Insurance is the spawn of the devil!




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[j2 lot]

Ask them where in the small print it says this; claiming against uninsured 3rd party is very much the sort of thing you might expect legal cover to, err, cover.

I have checked the policy documents and to my disappointment there is a clear opt out in the small print allowing the insurer to choose not to follow up if they believe they may not be successful.
Also taken independent legal advise & tried a couple of 'no win, no fee' companies & it seems unlikely that anyone will take on a claim without evidence of a policy being in place to cover the cyclist. It would appear that if a claim could be made it would be fairly substantial too .........
Really frustrating place to be, but guess I need to suck it up.

[robin]

OK, so there is small print, but how was the "service" advertised ... for example, did it say something like "uninsured loss protection" or other such guff ... if it did you would have been mis-sold the insurance as you clearly believed it was there to cover you against this sort of thing, and yet clearly it is not!!

Cheers,
Robin

[j2 lot]

It was an on-line quote Robin so no case for mis-selling and like almost every other person does I would have ticked to accept the terms and condition without real reference to them .
My expectations? it's an insurance company, so not very high, therefore I shouldn't be surprised that they don't provide what I need.