You are reading a single comment by @Haideez and its replies.
Click here to read the full conversation.
London Fixed Gear and Single-Speed is a community of predominantly fixed gear and single-speed cyclists in and around London, UK.
This site is supported almost exclusively by donations. Please consider donating a small amount regularly.
@Haideez
Hi all,
I was wanting to get some bike insurance and see that Cyclesure (i.e. Hiscox) offer the added option of 'Personal Accident' cover which would be good as I am a freelancer who rides to work each day, so if I was to have an accident and couldn't work for a considerable amount of time I would like to have some assurance that I wouldn't go bankrupt as I'm not entitled to sick pay. But reading their policy document it lists an Accidental Bodily Injury as:
"An identifiable physical injury which is caused solely by an accident directly arising from your use of a cycle, occurring at an identifiable time and place, which results in your death or permanent total disablement, loss of eye, loss of hearing, loss of limb or loss of speech within 12 calendar-months of the date of the accident."
So am I reading this correctly that I would need to basically die or suffer a permanent disability before they would pay out anything? i.e. If I broke my leg and couldn't work for a few months for example I wouldn't be covered? If so that seems a bit extreme, if anyone has any experience of advice regarding this it would be much appreciated.
Cheers!