Clarion Cycling Club Insurance
Clarion Cover Third Party Insurance
Clarion Cover Third Party Insurance is included as part of the National Clarion Cycling Club membership package. All paid up National Clarion Cycling Club members are automatically covered by Clarion Cover Third Party Insurance.
Why is Third Party Insurance important for Cyclists?
As it says on the BBC Website says 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.
Why you should have Third 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
What is and what isn’t Third 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
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)
How good is the Clarion Cover Third Party Insurance cover?
- Underwritten by Royal Sun Alliance
- Maximum cover of £5million per incident
- Anywhere in the world except USA & Canada
- Covered by the Financial Services Compensation Scheme
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
Accident Assistance and Legal support
The majority of cycling accidents that occur involve members who sustain personal injury (damage to themselves, their bicycle or other property) through no fault of their own. In most cases, incidents arise through the negligence of the driver of a motor vehicle, a small number involve defects to the public highway and in occasional cases accidents are caused by other cyclists. In these circumstances, a 3rd party is at fault.
The National Clarion is delighted to announce that it has entered in to a partnership with Smooth Law Ltd who will provide our members with free Legal Assistance to pursue such personal injury claims against at fault parties. This added benefit comes at no additional cost to the annual membership subscription.
In the event that a claim is successful, Smooth Law Ltd, like other legal practices will take a success fee which for members and families is reduced from the standard 25% to 15% plus VAT. That said, in circumstances where they recover all their fees or for monies they receive which are to replace or repair a members bicycle, a success fee will not be taken.
Smooth Law Ltd is a specialist, personal injury solicitor. They will use their experience to assess claims and where they think good grounds exist will undertake the claim for compensation on our members’ behalf on a ‘no win, no fee’ basis. In addition, they have kindly agreed to extend this offer to our members’ families.
Smooth Law will provide Help / Support Line through their dedicated National Clarion Freephone number 0800 470 1174. This will operate on weekdays, 9.00 am – 8.00pm (except on public holidays).