CI Insurances?

andun84

Ok, this is the first year I have actually joined CI, but as a leisure cyclist. The cycling insurance they offer. What is in it for me?

IOW: Home contents insurance (NI) and CI Insurance?

Lumen

andun84 wrote: »

Ok, this is the first year I have actually joined CI, but as a leisure cyclist. The cycling insurance they offer. What is in it for me?

IOW: Home contents insurance (NI) and CI Insurance?

Do they still offer insurance? When I last spoke to them (before Christmas) it was looking doubtful due to large losses suffered by the current underwriter.

ROK ON

@Andun. I looked into this a few months back on the basis of whether oe not I would get a CI license.

My conclusion was that unless one raced or entered a not of CI approved non race cycles (audax or sportif) then there was no benefit ib the license.

andun84

Ah right so might not even be an issue if they don't offer it this year and even if they do it probably isn't worth it for me.

Lumen

andun84 wrote: »

Ah right so might not even be an issue if they don't offer it this year and even if they do it probably isn't worth it for me.

As a leisure cyclist you don't need to get C.I. insurance because you can have bikes insured under your household policy.

If you are a racing cyclist, you're basically screwed unless C.I. bring back the scheme, because no domestic insurer in Ireland will insure bikes used for any racing ever.

Obviously you can lie to them, but I don't personally fancy spending my life trying to suppress all evidence of racing activities. Unless you adopt some sort of generic racing pseudonym like "Patrick Murphy" and wear a balaclava every time there is a photographer around.

blorg

The introductory non-racing CI license is €10. This is if you have not had a membership before. This is the same price as a day license so if you do even one audax or sportive requiring CI membership it is worthwhile.

You get insurance for third party damages and medical costs free under this- the bike insurance that is maybe not coming back was extra.

Raam

makes me wonder why I bothered buying a high end carbon frame if I can't insure it for races.

Mr Velo

Surely it's about having the CI card in your wallet that you can flash about with pride though??

Lumen

Paddy_Fowler wrote: »

Surely it's about having the CI card in your wallet that you can flash about with pride though??

I haven't received one of those yet. Do you get one with the license?

Right now I only have a Triathlon Ireland card, which brings with it a deep sense of shame.

blorg

Lumen wrote: »

I haven't received one of those yet. Do you get one with the license?

Yes, I think there will be another night in the Scout Hall when they are distributed (for Orwell riders.)

Ryaner

blorg wrote: »

Yes, I think there will be another night in the Scout Hall when they are distributed (for Orwell riders.)

Do they not post the card out to you after you sign up? If not, how do you prove you have a CI licence at the sportives?

Mr Velo

Lumen wrote: »

I haven't received one of those yet. Do you get one with the license?

Right now I only have a Triathlon Ireland card, which brings with it a deep sense of shame.

Yep, i only joined mid-year last year while entering a club race. Got the card out in the post.

blorg

Ryaner wrote: »

Do they not post the card out to you after you sign up? If not, how do you prove you have a CI licence at the sportives?

If you join CI directly yourself yes they post you the card.

With my club the club takes the money along with the club membership fee and remits it to CI; this is mainly to 100% ensure that all club members have joined CI. The club then gets all the cards back and distributes them.

Some other clubs leave it up to the members to join CI themselves, in this case I presume CI posts the card directly to the member.

rottenhat

blorg wrote: »

Yes, I think there will be another night in the Scout Hall when they are distributed (for Orwell riders.)

Last year Dave just handed them out on a Sunday morning and left the rest in Joe Daly's for collection.

Chips Lovell

Aren't you meant to get a number as well?

RobFowl

el tonto wrote: »

Aren't you meant to get a number as well?

You get a number, credit card sized licence and a handbook which includes the calender.

tunney

Lumen wrote: »

As a leisure cyclist you don't need to get C.I. insurance because you can have bikes insured under your household policy.

If you are a racing cyclist, you're basically screwed unless C.I. bring back the scheme, because no domestic insurer in Ireland will insure bikes used for any racing ever.

Obviously you can lie to them, but I don't personally fancy spending my life trying to suppress all evidence of racing activities. Unless you adopt some sort of generic racing pseudonym like "Patrick Murphy" and wear a balaclava every time there is a photographer around.

Get your bike insurance through TI?

RobFowl

tunney wrote: »

Get your bike insurance through TI?

Do they do a good deal on bike insurance ?

blorg

rottenhat wrote: »

Last year Dave just handed them out on a Sunday morning and left the rest in Joe Daly's for collection.

I think he may bring them around to a few things, I picked mine up on an "introduction to racing" night.

el tonto wrote: »

Aren't you meant to get a number as well?

Yes you get that if you go for a full competition license, not club competition.

Lumen

tunney wrote: »

Get your bike insurance through TI?

The TI site says:

"This product offering includes...Damage to cycles when competing or training"

and if you select "Triathlon" on the ODON site you get this nice policy wording, which has no unreasonable exclusions.

But if you select "Cycling" as a sport, you get this policy wording which says:

"We will not pay for...Loss or damage while the cycle is being used for racing"

Perhaps still useful for the theft protection.

This Tri-friendly bias is unsurprising, since Triathletes never have accidents in transition areas. Oh wait...

IM0

Lumen wrote: »

The TI site says:

"This product offering includes...Damage to cycles when competing or training"

and if you select "Triathlon" on the ODON site you get this nice policy wording, which has no unreasonable exclusions.

But if you select "Cycling" as a sport, you get this policy wording which says:

"We will not pay for...Loss or damage while the cycle is being used for racing"

Perhaps still useful for the theft protection.

This Tri-friendly bias is unsurprising, since Triathletes never have accidents in transition areas. Oh wait...

damn! I use to pay a premium of about €400 for a bike worth about €4000, on the household insurance :mad::mad: and that was about..5 years ago.
Only paid it the first year though, it would be mental to keep that up for years, you'd have enough for a new v nice bike in a short space of time :eek:

blorg

Yes the Cycling Ireland insurance was really very good value, covered multiple bikes up to €10k IIRC. Pity it is not being maintained.