Cyclist Insurance (not Bike Insurance)

When I'm out cycling I am always worried about getting raped by a retarded driver on the road. I would like to get insurance to cover rehabilitation etc., perhaps some compensation as well should I be in such a situation (e.g. hit and run OR it's my fault etc.).

I have looked at private medical insurance, but it's a fucking con and half. I'm 21, very fit, ideal weight etc (statistically ideal for an insurer) and they still want to charge me ~£30/month. On the other hand, my 46 y/o 18.5 st friend gets this for £60/month, WTF?

Closest I have seen to what I'm looking for is this but it only covers really serious injuries.

make a bubble wrap suit of armour.

join the CTC £30 a year give or take and they have bike insurance but also recomended solicitors etc so you can sue the crap out of said rapist.

plus 10% off at quite a few bike shops

I think what you're looking for will only pay out on the bigger things (as that's where loss of earnings etc come in, but that'll depend on what you do for a living)

You are talking of (at least) two types of insurance here. Medical insurance is pretty much a con because the national health gives us free (ish) cover anyway. There are lots of variants of Personal Accident Cover, often this is a free add on to other things, it may be in your household insurance, it may come as part of your overpriced credit card, it comes free if you insure your bike through LCC Cyclecover (for a limited list of injuries).

The other insurance is third party liability, in case someone sues you for damage or injury. This is included free with membership of many cycling organisations, London Cycling Campaign( £5mil. cover), CTC, British Cycling etc. you can also buy this individually for between £26-£30 per year from people like Cycleguard (£2mil. cover)

BC insurance covers all accidents

make a bubble wrap suit of armour.

That would ruin the aerodynamics!

You are talking of (at least) two types of insurance here. Medical insurance is pretty much a con because the national health gives us free (ish) cover anyway. There are lots of variants of Personal Accident Cover, often this is a free add on to other things, it may be in your household insurance, it may come as part of your overpriced credit card, it comes free if you insure your bike through LCC Cyclecover (for a limited list of injuries).

The other insurance is third party liability, in case someone sues you for damage or injury. This is included free with membership of many cycling organisations, London Cycling Campaign( £5mil. cover), CTC, British Cycling etc. you can also buy this individually for between £26-£30 per year from people like Cycleguard (£2mil. cover)
How good is the NHS though (waiting lists etc), how much physiotherapy is included free, probably not enough. For example, I severely injured my back working at Tesco, and chiropractic care was not paid for at all by the NHS, a couple of hundred £'s later I'm fixed though. I'm not really looking for public liability cover, but obviously it's included that's a bonus.

BC insurance covers all accidents
Only covers permanent injuries and £25 per day in hospital.

P.S. I'm a student until Summer 2010 when I finish my Masters, so "loss of earnings" cover is not applicable.

ride your bike, stop being a hypochondriac glass half empty person.

(((( the return of dale ))))

ha, damn red-eye flights and 1 hr sleep