Clarion Cover Third Party Liability Insurance

Why is Third Party Liability Insurance important for Cyclists?

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.

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Why you should have 3rd 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

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What is and what isn’t 3rd 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

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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)

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How good is the Clarion Covr Third Party Insurance cover?

• Underwritten by Royal Sun Alliance

• Max’ cover £5million per incident

• Anywhere in the world except USA & Canada

• Covered by the Financial Services Compensation Scheme

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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