Yet Another Cycling Forum

General Category => Audax => Topic started by: Wycombewheeler on 05 September, 2018, 01:22:28 am

Title: insurance for audaxing abroad
Post by: Wycombewheeler on 05 September, 2018, 01:22:28 am
does AUK insurance cover us?
what about british cycling ride insurance?
if neither what do people do? is it worth checking my regular travel insurance?
Title: Re: insurance for audaxing abroad
Post by: jsabine on 05 September, 2018, 01:34:00 am
does AUK insurance cover us?

No. It's only valid during AUK events in the UK - and in any case it's insurance of last resort, so will only come into play if you have no other insurance that covers you.

Not sure about BC, but you may be covered for 3rd party liability under your home contents insurance or under any travel insurance policy you have. Cover while cycling tends to be pretty well hedged with caveats though: when I've looked at the detail of previous travel policies, they've excluded cover where cycling was the main purpose of the trip.

(I've been shilling for Pedalcover  (https://pedalcover.co.uk/)in Peter's thread on home insurance, so I might as well continue that here: they're explicit on the website about providing £2m of liability cover with home and travel insurance, and including cover during events. We've got our home insurance with them, and I'll be tempted to go with them next time we renew our travel insurance, as long as the quote is sensible.)
Title: Re: insurance for audaxing abroad
Post by: giropaul on 05 September, 2018, 06:36:50 am
I have just renewed my travel insurance, and I made sure that I was covered for cycling. The answer seems to be that I am ( with the possible exception of “ races”). Riding with others non- competitively seems fine.

Don’t forget that after March it likely that the only use for a EHIC card is to scrape frost off a windscreen. Travel insurance will no doubt have to reflect this in the cost.
Title: Re: insurance for audaxing abroad
Post by: LittleWheelsandBig on 05 September, 2018, 06:53:10 am
Be careful. Some insurance companies see randonnees as races, despite all the evidence otherwise. Others only cover cycling during your trip if the trip isn't primarily for the cycling. It isn't fun to be surprised in this regard.
Title: Re: insurance for audaxing abroad
Post by: Ivo on 05 September, 2018, 07:18:37 am
Another option might be applying for membership of a local cycling body which usually offers 3rd party liability insurance.
Title: Re: insurance for audaxing abroad
Post by: aidan.f on 05 September, 2018, 07:41:47 am
Dave and I both bought ETA cycle trip insurance for BOB  £17 for a week including cycle repatriation and insurance plus no he***et clause.
Title: Re: insurance for audaxing abroad
Post by: Smeth on 05 September, 2018, 08:49:27 am
Dave and I both bought ETA cycle trip insurance for BOB  £17 for a week including cycle repatriation and insurance plus no he***et clause.
Thanks. On train to London on way  to BOB and realised I'd forgotten. Free WiFi on South West Trains. ETA website here I come.

Sent from my SM-J510FN using Tapatalk

Title: Re: insurance for audaxing abroad
Post by: mattc on 05 September, 2018, 09:14:56 am
CyclingUK membership includes 3rd party cover on the continent (if that's all you want!):

https://www.cyclinguk.org/sites/default/files/document/2017/11/2017_11_10_third_party_faqs_.pdf

11. I plan to ride a sportive event on the Continent next year. Does Cycling UK insurance
cover me? Although it’s not a race, you are timed around the course and some people treat
it like a race.
Answer: Yes, provided you are normally resident in Great Britain, the Channel Islands, Northern
Ireland or the Isle of Man and it is not a racing event.

12. Am I covered by Cycling UK insurance when I attend the Semaine Fédérale?
Answer: Yes, provided you are normally resident in Great Britain, the Channel Islands, Northern
Ireland or the Isle of Man and it is not a racing event.

14. Am I covered if I participate in time trials?
Answer: Yes – both full Cycling UK members and affiliated members
Title: Re: insurance for audaxing abroad
Post by: Andydauddwr on 05 September, 2018, 10:19:28 am
I just took out a 12 month policy for around £50 to include travel to the US.  On reading the small print, it get's excited about incidental and non-incidental cycling (whether you go there planning to do it), so I've paid an extra £25 to cover non-incidental.  There is a h**t clause, but as RUSA mandate them anyway I figure no great loss.

Also covers for £5k luggage value.
Title: Re: insurance for audaxing abroad
Post by: mattc on 05 September, 2018, 10:24:47 am
There is a h**t clause, but as RUSA mandate them anyway I figure no great loss.

He***t content:
(click to show/hide)
Title: Re: insurance for audaxing abroad
Post by: aidan.f on 05 September, 2018, 10:29:05 am
So you have paid over the odds for 12 months of mandatory helmet wearing wherever you ride your bike on holiday. To Pub/shops/promenade. As I said ETA ticks all the boxes.
Title: Re: insurance for audaxing abroad
Post by: fimm on 05 September, 2018, 02:31:51 pm
Just to throw another name into the mix, I've used "Yellow Jersey" cycle insurance when doing a triathlon overseas. Can't comment on h*lm*t clauses as you have to wear one for triathlon anyway.
Title: Re: insurance for audaxing abroad
Post by: bludger on 05 September, 2018, 02:43:37 pm
My last travel insurance lot were Alpha travel insurance, covering my tour of the Netherlands and Germany - I went through the brevet I planned to do in the Netherlands on the phone with them to make sure it was covered under "cycle tourism."

This gave me 9 days of cover for £6.13 under their Alpha 175 package (https://www.alphatravelinsurance.co.uk/cover-table/) including my ferry trips which I thought was a pretty cracking deal to be fair. I scarcely tour abroad for the time being but I'd consider a longer term policy if/when I come into more funds.
Title: Re: insurance for audaxing abroad
Post by: Manotea on 05 September, 2018, 04:18:33 pm
My last foray to europe via eurostar, I bought their single trip insurance. Not a lot to pay - about £5 - and seemed to cover most things though bike insurance would be a bit light for some.
Title: Re: insurance for audaxing abroad
Post by: jiberjaber on 05 September, 2018, 04:41:10 pm
does AUK insurance cover us?

No. It's only valid during AUK events in the UK - and in any case it's insurance of last resort, so will only come into play if you have no other insurance that covers you.
......................

What about a AUK DIY in Netherlands?
Title: Re: insurance for audaxing abroad
Post by: jsabine on 05 September, 2018, 06:13:30 pm
Not in the UK
Title: Re: insurance for audaxing abroad
Post by: Aunt Maud on 05 September, 2018, 06:20:16 pm
does AUK insurance cover us?

No. It's only valid during AUK events in the UK - and in any case it's insurance of last resort, so will only come into play if you have no other insurance that covers you.
......................

What about a AUK DIY in Netherlands?

Forget it, you're best getting your own cover. I speak from experience...........
Title: Re: insurance for audaxing abroad
Post by: jiberjaber on 05 September, 2018, 08:37:50 pm
Yeah I just checked the auk website and its only Uk. So CTC it is then.
Title: Re: insurance for audaxing abroad
Post by: Andydauddwr on 06 September, 2018, 09:46:47 am
So you have paid over the odds for 12 months of mandatory helmet wearing wherever you ride your bike on holiday. To Pub/shops/promenade. As I said ETA ticks all the boxes.

No, not sure I have.  The helmet requirement is for non-incidental cycling i.e. planned events and touring.  Incidental use is also covered and at that point it's just a recommendation.  As for over the odds, given that this is insuring the luggage and any medical needs too I didn't think the price was that far off the mark...
Title: Re: insurance for audaxing abroad
Post by: FifeingEejit on 09 November, 2018, 12:33:45 pm
Been considering some of the Irish (who insist on liability insurance) and Dutch Brevets (don't see a mention of it)

Had a read of the ETA insurance pages and then e-mailed them because I couldn't see any reference to covering personal liability outwith the UK.
Response I got was that unfortunately they can't cover personal liability while cycling abroad in either their travel insurance or cycle travel insurance   :(

Although that's the only thing I see in their cover (both bike insurance and travel), so that plus CTC membership might add up better than the other options I've seen to get that.

hm...
Title: Re: insurance for audaxing abroad
Post by: rafletcher on 09 November, 2018, 01:51:49 pm
Ive seen no mention on this thread, but what about Pedalcover? 

https://pedalcover.co.uk/get-insurance-cover/cycling-holiday-travel-insurance/
Title: Re: insurance for audaxing abroad
Post by: FifeingEejit on 09 November, 2018, 02:43:39 pm
Ive seen no mention on this thread, but what about Pedalcover? 

https://pedalcover.co.uk/get-insurance-cover/cycling-holiday-travel-insurance/

Had a quick play and read, comes out at 64 quid for me with up to level 2 sports.
Personal liability appears to be covered for cycling, but is Audax/Randoneuring a tour, an event or a race?!

think the ETA Cycle Touring said around 30 quid, and then put CTC membership on top of that to get the personal liability plus what ever else you'd get out of membership.

hm...
I don't need new travel insurance until April though and by then any policy that relies on the EHIC for basic cover (many demand a significant excess if you don't have an EHIC or haven't got it) may be a tad more expensive...
Title: Re: insurance for audaxing abroad
Post by: Manotea on 09 November, 2018, 03:44:59 pm
Remember auk members can get CTC affiliate membership which includes 3rd party insurance for not a lot. Need to check t&cs but possibly cheapest option.
Title: Re: insurance for audaxing abroad
Post by: FifeingEejit on 09 November, 2018, 03:57:20 pm
Remember auk members can get CT affiliate membership which includes 3rd party insurance for not a lot. Need to check t&cs but possibly cheapest option.

£25 quid, aye.
Title: Re: insurance for audaxing abroad
Post by: Ivo on 09 November, 2018, 04:05:53 pm
Been considering some of the Irish (who insist on liability insurance) and Dutch Brevets (don't see a mention of it)


When you enter a Dutch brevet you must tick a box that you have a liabiilty insurance. Since a lot of Dutch household liability insurances cover recreational cycling this is just a formality for most Dutch citizens (except those of extreme religious denomination, I've never seen one of them at an event though).
Title: Re: insurance for audaxing abroad
Post by: quixoticgeek on 09 November, 2018, 11:20:18 pm
Been considering some of the Irish (who insist on liability insurance) and Dutch Brevets (don't see a mention of it)

How do they expect you to prove you have said insurance? Are you expected to turn up with a copy of the insurance policy? How does that work for those with a policy not in English?

When you enter a Dutch brevet you must tick a box that you have a liabiilty insurance. Since a lot of Dutch household liability insurances cover recreational cycling this is just a formality for most Dutch citizens (except those of extreme religious denomination, I've never seen one of them at an event though).

When I signed up to randonneurs.nl I also got an NTFU card in the post and a magazine in Dutch. Does the NTFU give any insurance?

J
Title: Re: insurance for audaxing abroad
Post by: thing1 on 10 November, 2018, 08:36:11 am
Remember auk members can get CT affiliate membership which includes 3rd party insurance for not a lot. Need to check t&cs but possibly cheapest option.

£25 quid, aye.

Do you have a link ? Bing has failed me on this one.
Title: Re: insurance for audaxing abroad
Post by: Ivo on 10 November, 2018, 08:55:45 am

When you enter a Dutch brevet you must tick a box that you have a liabiilty insurance. Since a lot of Dutch household liability insurances cover recreational cycling this is just a formality for most Dutch citizens (except those of extreme religious denomination, I've never seen one of them at an event though).

When I signed up to randonneurs.nl I also got an NTFU card in the post and a magazine in Dutch. Does the NTFU give any insurance?

J

Yes, third party liability during bike events, specially tailored for cyclist's needs. That's why I'm busy now encoding all our BRM's in the NTFU calender so they are registered as events and riders are insured.
Title: Re: insurance for audaxing abroad
Post by: Manotea on 10 November, 2018, 11:14:58 am
Remember auk members can get CT affiliate membership which includes 3rd party insurance for not a lot. Need to check t&cs but possibly cheapest option.

£25 quid, aye.

Do you have a link ? Bing has failed me on this one.

IIRC I published advice regarding joining CTC as an affiliate member on a fairly prominent page of the AUKweb website but its gone now. c'est la vie.

The relevant link for the CUK website is https://shop.cyclinguk.org/membership/affiliate-membership-myself

You need AUK's affiliate organisation number. It may be CUK will tell you elsewise you'll have to ask someone at AUK.
Title: Re: insurance for audaxing abroad
Post by: bhoot on 10 November, 2018, 11:29:51 am
You need AUK's affiliate organisation number. It may be CUK will tell you elsewise you'll have to ask someone at AUK.
I have a number which I have just sent to someone to use. He has promised feedback on whether it works. If you are not in a hurry please wait a few days and then contact me on membership@audax.uk and I will be able to give you the number in confidence, if you want to try before that you take your chance!
Title: Re: insurance for audaxing abroad
Post by: FifeingEejit on 10 November, 2018, 12:27:47 pm
You need AUK's affiliate organisation number. It may be CUK will tell you elsewise you'll have to ask someone at AUK.

I have a number which I have just sent to someone to use. He has promised feedback on whether it works. If you are not in a hurry please wait a few days and then contact me on membership@audax.uk and I will be able to give you the number in confidence, if you want to try before that you take your chance!

That was I, my main Cycling Club is BC affiliated but not CUK and the local group I'm a member of is only just starting off with CUKs input.

Received a load of e-mails from them this morning, though not sure if that's an automated thing or if their office does something.
Interestingly their e-mailed document that says "You're a member" says I should receive the membership pack in 10 to 14 days, while the e-mail itself says 2 to 4 weeks

What convinced me was that it's covering anywhere in the world except the US and Canada and at £10m it's considerably more than what any of the cycle travel or bike insurance companies I found covered for.  Getting more than just insurance for the £25 quid as well was the killer, better than paying 50 to 100 odd for something you're not actually wanting to get the benefit of.

Was speaking to someone about the MCofS's liability insurance in relation to their proposal to add a pretty pathetic life insurance to membership (doesn't pay out on death and pays out paltry amounts on injuiry) and apparently it's never paid out any claim...
Title: Re: insurance for audaxing abroad
Post by: IanR on 10 November, 2018, 06:18:42 pm
Why oh why is it not possible to purchase just third-party cycling insurance?

Until a year or two ago, I had third-party insurance from London Cycling Campaign. IIRC it cost £9.50 per year. Unfortunately they stopped offering this.

I don’t want to join CUK or BC as a full member as I don’t want or need any of the other stuff that is included in their packages, and I certainly don’t want to take out an expensive theft insurance policy just to get third-party insurance.

It appears that the least unacceptable option is CUK affiliate membership, but even with that I would be paying £25 just to get insurance that is really only worth £9.50 or thereabouts.
Title: Re: insurance for audaxing abroad
Post by: thing1 on 11 November, 2018, 09:33:28 am

The relevant link for the CUK website is https://shop.cyclinguk.org/membership/affiliate-membership-myself

You need AUK's affiliate organisation number. It may be CUK will tell you elsewise you'll have to ask someone at AUK.

Thanks.
That page was the only thing my search coughed up, but I didn't think it very helpful as it doesn't seem to describe what an affiliate member is or how it differs from a full member. My initial assumption was it would have some restrictions in benefits, but maybe it's purely a discount. Seems I'd have to find a working affiliate org number before I could click through and discover what's T&C's I'd be agreeing to and if I even wanted to proceed. Which is quite a faff.
Title: Re: insurance for audaxing abroad
Post by: FifeingEejit on 11 November, 2018, 08:47:38 pm

The relevant link for the CUK website is https://shop.cyclinguk.org/membership/affiliate-membership-myself

You need AUK's affiliate organisation number. It may be CUK will tell you elsewise you'll have to ask someone at AUK.

Thanks.
That page was the only thing my search coughed up, but I didn't think it very helpful as it doesn't seem to describe what an affiliate member is or how it differs from a full member. My initial assumption was it would have some restrictions in benefits, but maybe it's purely a discount. Seems I'd have to find a working affiliate org number before I could click through and discover what's T&C's I'd be agreeing to and if I even wanted to proceed. Which is quite a faff.

From what I gathered the primary difference is that Affiliate members don't get to use the legal advice provided to full members.
The important bit was that the Worldwide (Except USA and Canadia) liability insurance is part of the affiliate deal.
Title: Re: insurance for audaxing abroad
Post by: Ian H on 11 November, 2018, 10:04:51 pm
I'm both a British Cycling and a CTC member.  BC's travel insurance seems marginally better in as much as the Ts&Cs are clearer.  Cost for either is around £80 pa.