Commuter cyclist insurance

[Type R Tom]

The OH cycles to work on a road bike, she’s not particularly confident but the ride is easy and has been doing it full time for over 2 years. She has now decided (don’t know why) that she wants some cycling insurance to cover her bike, a bit of injury cover and 3rd party liability. It doesn’t necessarily need to cover theft as the house has that but if it’s included I can remove it.

I’m doing a bit of research now but wondered if anyone had any recommendations?

[sjg]

Most of the cycling organisations include 3rd party and legal cover - CTC/CyclingUK, British Cycling, London Cycling Campaign, etc. Membership doesn't usually cost much more than buying the cover, and that's all I bother with.

Wiggle have got into insurance, and they do an "assist" policy that covers 3rd party as well as personal accident cover. Once you start getting into theft cover it gets pricey, normally 10% pa of the bike's value as a starting point.

[Dannbodge]

Wiggle currently have 20% off all their policies at the moment.

[Type R Tom]

Dannbodge said:

Wiggle currently have 20% off all their policies at the moment.

Just got that email, cheers. Although I think a few people did as the website is playing up.

[AyBee]

British Cycling for me - I just wanted to be covered third party to cover the worst and wasn't bothered about my bike though (standard membership doesn't cover your own equipment).

[Gren]

Seem to remember when I priced it up last year that Wiggle were quite a bit dearer than British Cycling or whoever it is they refer you to.

I ended up using Bikmo in the end.

[ecs]

I'm using Wiggle, only a few quid a month - 3rd party is useful if I fk up and legal protection is good to have too.