what about insurance??

mockler007

should they bring in insurance, when i was talking a few weeks ago on fm104 phone show i was asked that question, should we pay insurance, i agreed, if you damage the car you should pay! why should the driver have to pay for it ??????:rolleyes: more bills more bills

ednwireland

already have cycling ireland insurance now go away :mad:

Raam

ednwireland wrote: »

already have cycling ireland insurance now go away :mad:

defo taking that out for next year. Spent 2 months worrying that I was gonna end up with a spannered Cervelo. It was covered under warranty thankfully.

CheGuedara

ednwireland wrote: »

already have cycling ireland insurance now go away :mad:

+1

or should we have a poll on it? :rolleyes:

petethedrummer

What were you doing phoning FM104?

Chips Lovell

mockler007 wrote: »

...when i was talking a few weeks ago on fm104 phone show ...

I think I see what you're doing wrong.

mockler007

well everyone was having a go at us cyclists, i had to put our point of view across, was listeng to it in the gfs car. it was making me piss boil

mockler007

ednwireland wrote: »

already have cycling ireland insurance now go away :mad:

em doe ci cover fuking sumones paint job on der car

blorg

The CI insurance you get joining a club is third party, e.g. if you damage someone else or their property out cycling you are covered. You are covered like this simply by being a member. This also covers you for your own medical bills in the case of an accident. To answer your question, yes, it will compensate the third party if you damage someone's paint job by crashing in to them.

The coverage for damage to your bike is separate and extra.

If a cyclist damages a car they are liable for the damage, insurance status is not relevant. If they are not insured they simply have to pay out of their own pocket.

As a practical matter bikes have minimal capacity to cause serious damage relative to cars and in practice do not cause much such damage again relative to cars. This is why insurance is not mandatory. If cars did as little damage as bikes you probably wouldn't need to insure them either.

Chips Lovell

The quality of debate on the FM104 phone show makes After Hours look like the School of Athens

Chips Lovell

mockler007 wrote: »

em doe ci cover fuking sumones paint job on der car

Only if you use lube.

lukester

mockler007 wrote: »

i had to put our point of view across

I'm relieved you put forward an opinion on behalf of us all. What exactly did you tell them, apart from agreeing with the need for insurance?

ednwireland

mockler007 wrote: »

em doe ci cover fuking sumones paint job on der car

that must be the beautiful language of the land of saints and scholars i hear so much about

mockler007

ednwireland wrote: »

that must be the beautiful language of the land of saints and scholars i hear so much about

its tallafornian mate haha, was in a rush out the door...

as to the fm104 thingy it was the evening of the man who got hit by the truck on the quays. motorists were sayen that we all break red lights, that we cant cycle properly, that we wobble all over the place, :rolleyes:

DirkVoodoo

mockler007 wrote: »

em doe ci cover fuking sumones paint job on der car

Ugh, you talk the same way my brother does on facebook and gchat. What's wrong with the rest of your keyboard?

Signal_ rabbit

blorg wrote: »

The CI insurance you get joining a club is third party, e.g. if you damage someone else or their property out cycling you are covered. You are covered like this simply by being a member. This also covers you for your own medical bills in the case of an accident. To answer your question, yes, it will compensate the third party if you damage someone's paint job by crashing in to them.

The coverage for damage to your bike is separate and extra.
.

If i read the website right, it's a €120 to join and then you can take out the insurance for an extra tenner, is that right?

blorg

Signal_ rabbit wrote: »

If i read the website right, it's a €120 to join and then you can take out the insurance for an extra tenner, is that right?

€120 is for a club-affliated full senior racing license. I think you get the third-party insurance coverage if you are any sort of cycling member with no extra fees, it is €10 to join as an unaffiliated non-racing member for the first year (special offer.) I think this goes up to €65 unattached/€35 club member in subsequent years (again for non-racers.)

Q 3: What exactly does the current policy cover in respect of activities outside registered events?

Ans: Cycling Ireland's insurance policy covers the legal liability of that organisation and the clubs affiliated to Cycling Ireland including all licence holders. The policy covers the legal liability of Cycling Ireland for injury, loss or damage to Third Parties or Third Party property arising out of the negligence of persons/events run by that body.
The cover operates on a 24/7 basis.

Chips Lovell

Off topic, but Cycling Ireland really need to redesign their website. It's very hard to find stuff on it.

mockler007

el tonto wrote: »

Off topic, but Cycling Ireland really need to redesign their website. It's very hard to find stuff on it.

yeh i seen that, pain in the saddle so it is, its like it was sign posted by the corpo!

mockler007

DirkVoodoo wrote: »

Ugh, you talk the same way my brother does on facebook and gchat. What's wrong with the rest of your keyboard?

its missing the essential keys i will have you know, i got the how a yeh upgrade!

doozerie

Something to check is whether Cycling Ireland insurance covers you only during an event organised by them. My reading of it (from what I can find on their website) is that it does only extend to their events, so you are not covered while commuting. Makes sense, but it would be easy to mistakenly assume otherwise.

Relevent links that I found are:
* summary info on bike insurance cover and costs
* Bike cover policy which covers damage to bike only.
* Cycling Ireland insurance policy which refers to cover at organised events only. It is dated 2006, so it may be worth checking with them whether the details have changed since then.