insurance

[Wycombewheeler]

4 years ago I got insurance through dog tag for £50, just got a quote for £140, this seems excessive. Has anyone got a better price? and if so with who?

(I selected cycling endurance events as a category as this seemed appropriate)

[davocon]

Snowcard were cheaper for me.
Still an increase on my premium from last time though. And the endurance cycling event is in the more extreme category than last time I think.

[Graeme]

Yellow Jersey were really good for me.

[Tomsk]

Post Office: £64.19 (more than last time 'cos of being special, probably).

[thing1]

Lloyds Club account is £120 a year with annual travel insurance (and lots of other things), covers cycling but not cycle racing, which either does or doesn't exclude PBP depending how you squint at it 
I  have HSBC Premier which likewise excludes racing...        EDIT to add: I now notice HSBC exclude all all "training for, or taking part in any race or time trial, organised sports event or competition" so fairly useless.
I see Post Office doesn't mention racing but exclude Cycle Touring, which would be a warning flag for me. 

End of the day, so long as I have 3rd party liability cover, I'm comfortable self insuring for anything else same as I do on any UK bike ride.

[Wycombewheeler]

Lloyds Club account is £120 a year with annual travel insurance (and lots of other things), covers cycling but not cycle racing, which either does or doesn't exclude PBP depending how you squint at it 
I  have HSBC Premier which likewise excludes racing... 
I see Post Office doesn't mention racing but exclude Cycle Touring, which would be a warning flag for me. 

End of the day, so long as I have 3rd party liability cover, I'm comfortable self insuring for anything else same as I do on any UK bike ride.

but won't the third party liability be excluded while doing non covered activities?

[thing1]

Lloyds Club account is £120 a year with annual travel insurance (and lots of other things), covers cycling but not cycle racing, which either does or doesn't exclude PBP depending how you squint at it 
I  have HSBC Premier which likewise excludes racing... 
I see Post Office doesn't mention racing but exclude Cycle Touring, which would be a warning flag for me. 

End of the day, so long as I have 3rd party liability cover, I'm comfortable self insuring for anything else same as I do on any UK bike ride.

but won't the third party liability be excluded while doing non covered activities?

I can fallback on Cycling UK membership for this. Although I see they also have a non-competitive clause (only mentioned under Charity Events )..
https://www.cyclinguk.org/sites/default/files/document/2019/10/individual_third_party_faqs_2020-21_8_april.pdf

Be kinda funny of CTC cover continental sportifs but not PBP...

[pineapple bod]

Be kinda funny of CTC cover continental sportifs but not PBP...

Audax is explicitly included
https://www.cyclinguk.org/sites/default/files/file_downloads_widget/individual_third_party_guidance_note_2022-2023_1.pdf

[LittleWheelsandBig]

London Cycling Campaign members get third party insurance through Yellow Jersey. Does anybody know whether PBP counts as competitive cycling to Yellow Jersey?
https://lcc.org.uk/insurance/ notes "Competitive or race cycling, including combined sports like triathlons, or ‘professional’ cycling is not covered."

[thing1]

Be kinda funny of CTC cover continental sportifs but not PBP...

Audax is explicitly included
https://www.cyclinguk.org/sites/default/files/file_downloads_widget/individual_third_party_guidance_note_2022-2023_1.pdf

Thanks for the link, v. helpful 

You are covered while cycling in
sportive, touring competitions,
reliability events, Audax events, time-
trials and in record breaking.

Now there's a can of worms: is ACP PBP an "Audax" event??  🙃🙂🙃🤣

[valkyrie]

Reading the rules it seems that 3rd party cover may be provided by the organisers -

Article 11: Responsibilities and insurance
Under all circumstances, riders must obey the French traffic law.

It is expressly stated that cyclists participate in Paris-Brest-Paris Randonneur® ride at their own risk and that riders are not covered unless they have taken out an individual insurance. The participant commit to being covered by insurance, including repatriation medical assistance, when registering.

A « Responsabilité Civile – Défense & Recours » policy has been taken out by the organizers for the duration of the event, for all material or corporal damage caused to a third party by a participant.

This policy does not cover any damage to bike or equipment in case of a fall or in case of theft.
Personal insurance must be bought to cover those risks.
In any place, riders should care for their personal belongings. The ACP cannot be held responsible in case of loss or theft.

So if I'm reading that correctly I only need normal holiday insurance, not event 3rd party?

[Von Broad]

So if I'm reading that correctly I only need normal holiday insurance, not event 3rd party?

I'm never great at understanding insurance/legal talk, but I'm reading that in the same way.

[bhoot]

When looking at normal holiday insurance recently I found that even "cycle touring" wasn't covered, presumably higher risk than just "leisure cycling" or whatever the wording was. On that occasion we were just doing shortish day rides so assumed we would be ok but the borderline was not at all clear. Given that PBP is definitely at the extreme end of cycle touring I would check carefully.

[marcusjb]

Cycle touring is often excluded from insurances (that might even cover you for sportives)

PBP and Audax in general is so vague in what it is, I am sure any insurance cover can be weaselled out of.

We have cover that in specifically included in an upgrade we had to take to go walking above 3500m - think I am covered for anything but downhill MTB racing from memory.

Whilst not a replacement for insurance; and possibly too late now - make sure you have your GHIC card (I believe you can still use your EHIC if it is still in date). It is a perfect piece of flag shagging design that makes me proud to be British…

[Lightning Phil]

Whilst not a replacement for insurance; and possibly too late now - make sure you have your GHIC card (I believe you can still use your EHIC if it is still in date).

You can, my EHIC is valid till 2025.

[Frank9755]

EU nationals, such as my wife, can get EHICs for their family members, so I have a new one which is valid for a good while.

[Wycombewheeler]

time to look for my ehic card and passport

[jsabine]

EU nationals, such as my wife, can get EHICs for their family members, so I have a new one which is valid for a good while.

Oooh. I should look into that - didn't see it as an option when I renewed my EHIC and got a GHIC. Is it only EU nationals with settled status? (My wife's Irish, so we never needed to go down that route.)

[marcusjb]

EU nationals, such as my wife, can get EHICs for their family members, so I have a new one which is valid for a good while.

Oooh. I should look into that - didn't see it as an option when I renewed my EHIC and got a GHIC. Is it only EU nationals with settled status? (My wife's Irish, so we never needed to go down that route.)

Going OT but in the same boat with an Irish passport holding wife - need to figure that one out.

[Frank9755]

EU nationals, such as my wife, can get EHICs for their family members, so I have a new one which is valid for a good while.

Oooh. I should look into that - didn't see it as an option when I renewed my EHIC and got a GHIC. Is it only EU nationals with settled status? (My wife's Irish, so we never needed to go down that route.)

I can't say about settled status, my wife is a dual national.