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Third Party Liability Insurance Cycling

Third party liability insurance for cyclists is a type of insurance that provides coverage for situations where a cyclist causes injury or damage to another person or their property.

Clarion Cover Third Party Liability Insurance

Clarion Cover Third Party Insurance is included as part of the National Clarion Cycling Club membership package.

Why it's Important

As it says on the BBC Website says Although third-party insurance is not compulsory for cycling, there is a risk – albeit a small one – of causing damage to an expensive vehicle while you are on your bike. Replacing even a wing mirror on a £50,000 Mercedes is an expensive prospect.

Why you should have Third Party insurance

  • Protect against someone suing you, if you caused an accident.

  • Saves you paying out the cost of damages you caused in a lapse of concentration.

  • One less thing to worry about

What is and what isn’t Third Party insurance:

  • It is insurance to cover your costs if someone wants to claim against you.

  • It protects you against claims you might cause in an accident.

  • It isn’t personal injury insurance (that normally costs £100s)

  • It is peace of mind.

What am I covered for?

  • Commuting to and from and between work

  • Club runs.

  • General riding

  • Sportives, reliability rides, Time Trials (but not bunched races)

How good is the Clarion Cover Third Party Insurance cover?

  • Underwritten by Royal Sun Alliance

  • Maximum cover of £5million per incident

  • Anywhere in the world except USA & Canada

  • Covered by the Financial Services Compensation Scheme

What’s the worst that can happen?

  • Someone asks you to pay for the costs of damaging a car, or:

  • Another bike, or a personal injury to them

  • And you have to pay out of your own bank account.

  • Accidents happen, don’t let it cost you the earth.

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