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Polarbear
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PostPosted: 23:34 - 04 Mar 2016    Post subject: Reply with quote
Bigvern72 wrote:
Quote:

The requirement of insurance is there to compensate for the personal damage to other people from modes of transport which have a significantly higher risk of inflicting life long injury or death to another person than walking. This risk does not apply to cyclists so they do not need insurance. Your choice to use a dangerous & expensive to repair mode of transport has noting to do with cyclists nor pedestrians.

Oh and again I'd point out that most home contents insurance covers people for 3rd party damage liability when cycling as a freebie. Isn't that exactly what you're complaining about cyclists not having.


Yes indeed - that's fine if it covers third party liability, I wasn't aware that it did. But then I've never needed to check it so I'm unaware that it does (home insurance that is). That's all I'm really interested in in this thread tbh. Causes etc are irrelevant. It's ability to recover fault free cost Smile


Mine doesn't. It covers certain things away from the house for loss or theft. It certainly doesn't cover me for third party injuries or damage on a push bike.
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AdamEf
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PostPosted: 23:58 - 04 Mar 2016    Post subject: Reply with quote
Bigvern72 wrote:

my point is that if a cycle pulls out on you and even if you manage to avoid him but not the fence you hit or the car you scrape.....it's your insurance that pays because the cycle doesn't need it by law.


Would it not be the same if it was a car that you swerved to avoid. If they didn't come into contact with you it's your accident, your insurance stumps up.
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AdamEf
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PostPosted: 00:00 - 05 Mar 2016    Post subject: Reply with quote
And just to keep this all nice and light hearted.. have a very sweary video of people's experiences on Britains roads (NSFW SWEARY LINK)...

https://www.youtube.com/watch?v=kOjUL8LwUsE&feature=youtu.be
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Ste
Not Work Safe



Joined: 01 Sep 2002
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PostPosted: 01:32 - 05 Mar 2016    Post subject: Reply with quote
Polarbear wrote:
Mine doesn't. It covers certain things away from the house for loss or theft. It certainly doesn't cover me for third party injuries or damage on a push bike.

You've not got third party liability cover on your home insurance? Shocked

I am quite stunned that the amount of people on here are against personal responsibility.

The amount of people walking at night on the road with no lights, no reflective clothing etc, etc. A real liability to themselves and dangerous to others yet that's fine, they are pedestrians.

If they use the roads they should have insurance at the very least. I have it for my dog, my daughter has it for her horses. Pedestrians should have it if they set foot on the roads.
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Bigvern72
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PostPosted: 08:44 - 05 Mar 2016    Post subject: Reply with quote
AdamEf wrote:
Bigvern72 wrote:

my point is that if a cycle pulls out on you and even if you manage to avoid him but not the fence you hit or the car you scrape.....it's your insurance that pays because the cycle doesn't need it by law.


Would it not be the same if it was a car that you swerved to avoid. If they didn't come into contact with you it's your accident, your insurance stumps up.


Not if the guy you swerved to avoid wasn't a dick and admitted actually stopped to exchange details like the law says they must.
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AdamEf
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Joined: 19 Dec 2015
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PostPosted: 11:41 - 05 Mar 2016    Post subject: Reply with quote
Bigvern72 wrote:
AdamEf wrote:


Would it not be the same if it was a car that you swerved to avoid. If they didn't come into contact with you it's your accident, your insurance stumps up.


Not if the guy you swerved to avoid wasn't a dick and admitted actually stopped to exchange details like the law says they must.


I think you'd struggle to get the insurance company of someone who has not touched you or your vehicle to pay up for anything that happened to it physically. In their eyes it would be your driving, your vehicle, your fault. Insurance companies are quite keen not to pay out even in the best circumstances. Where someone has not even touched you I doubt you'd have much luck.
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lihp
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Joined: 22 Sep 2010
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PostPosted: 11:44 - 05 Mar 2016    Post subject: Reply with quote
Bigvern72 wrote:


You're night right bright are you?

It is altogether possible to see the cyclist, but way too late to react. Or I'm guessing you have the reactions of superman and can swerve out of the way and avoid oncoming traffic.......or stop on a sixpence while travelling 30 miles an hour whilst conducting these amazing manoeuvres?

Either way you're arguing for the sake of arguing (ie trolling). It's perfectly possible to see things too late even in the daytime when visibility is perfectly normal, if the thing you're seeing is not in your vision at all.


So your lights are that dim they don't illuminate far enough ahead that you can see the road is clear, yet you choose to proceed at the same speed?
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lihp
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Joined: 22 Sep 2010
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PostPosted: 11:54 - 05 Mar 2016    Post subject: Reply with quote
Bigvern72 wrote:

my point is that if a cycle pulls out on you and even if you manage to avoid him but not the fence you hit or the car you scrape.....it's your insurance that pays because the cycle doesn't need it by law.

Someone's tried to pull the point away about driving conditions etc which is all irrelevant.


Yet you see many cases of cars pulling out on motorcycles. The rider falls trying to stop or avoid the car. Yet they don't have to pay out. How are you proposing to fix that too?
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AdamEf
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PostPosted: 13:46 - 05 Mar 2016    Post subject: Reply with quote
lihp wrote:
Bigvern72 wrote:

my point is that if a cycle pulls out on you and even if you manage to avoid him but not the fence you hit or the car you scrape.....it's your insurance that pays because the cycle doesn't need it by law.

Someone's tried to pull the point away about driving conditions etc which is all irrelevant.


Yet you see many cases of cars pulling out on motorcycles. The rider falls trying to stop or avoid the car. Yet they don't have to pay out. How are you proposing to fix that too?


Yep. I had this last year. A girl in her car didn't understand how traffic lights work (thought that each of the four roads joining a crossroads had a green one at a time, rather than opposites both getting green at the same time) so she turned across me to go to her right. I swerved to avoid and ended up sliding across tarmac, bounced and rolled. (Motor)Bike ok except a few scuffs. My body battered and bruised. Hurt (to the point of wanting to vomit) to bend leg for a few weeks. Police did nothing against her. It became my accident as I came off swerving to avoid slamming into side of her car.
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Bigvern72
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PostPosted: 14:12 - 05 Mar 2016    Post subject: Reply with quote
lihp wrote:
Bigvern72 wrote:

my point is that if a cycle pulls out on you and even if you manage to avoid him but not the fence you hit or the car you scrape.....it's your insurance that pays because the cycle doesn't need it by law.

Someone's tried to pull the point away about driving conditions etc which is all irrelevant.


Yet you see many cases of cars pulling out on motorcycles. The rider falls trying to stop or avoid the car. Yet they don't have to pay out. How are you proposing to fix that too?


If the car follows the law (ie stops and does the right thing) then yes they do pay out because they're insured. If they don't stop they're dicks and unfortunately you can't account for dicks. Dicks are why all of our insurance premiums are higher than they need to be.

And here you are defending them.
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Bigvern72
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PostPosted: 14:16 - 05 Mar 2016    Post subject: Reply with quote
Quote:


Yep. I had this last year. A girl in her car didn't understand how traffic lights work (thought that each of the four roads joining a crossroads had a green one at a time, rather than opposites both getting green at the same time) so she turned across me to go to her right. I swerved to avoid and ended up sliding across tarmac, bounced and rolled. (Motor)Bike ok except a few scuffs. My body battered and bruised. Hurt (to the point of wanting to vomit) to bend leg for a few weeks. Police did nothing against her. It became my accident as I came off swerving to avoid slamming into side of her car.


Either a) your insurance company didn't fight your case well enough, or b) the two insurance companies decided on the basis of the facts they were told.....that it was your fault.

You don't need the police to take action......that's why you pay your insurance premiums for!!!
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AdamEf
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Joined: 19 Dec 2015
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PostPosted: 23:04 - 05 Mar 2016    Post subject: Reply with quote
Bigvern72 wrote:

Either a) your insurance company didn't fight your case well enough, or b) the two insurance companies decided on the basis of the facts they were told.....that it was your fault.

You don't need the police to take action......that's why you pay your insurance premiums for!!!



Great. Thanks for your sympathies.

Anyway... maybe back on topic? Bicycles should be ... "banned" !?
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Bigvern72
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PostPosted: 23:23 - 05 Mar 2016    Post subject: Reply with quote
AdamEf wrote:
Bigvern72 wrote:

Either a) your insurance company didn't fight your case well enough, or b) the two insurance companies decided on the basis of the facts they were told.....that it was your fault.

You don't need the police to take action......that's why you pay your insurance premiums for!!!



Great. Thanks for your sympathies.

Anyway... maybe back on topic? Bicycles should be ... "banned" !?


Sympathy for what? You gotta fight your case if your innocent. Don't just accept what the insurance companies tell you. You're their customer and must do your bidding. If your innocent then fight!

On topic, no bikes shouldn't be banned, but compulsory insurance (third party) for riding on roads is a must. Even if it's through household insurance Smile
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Fin
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Joined: 27 Feb 2016
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PostPosted: 19:26 - 06 Mar 2016    Post subject: Reply with quote
Bigvern72 wrote:

my point is that if a cycle pulls out on you and even if you manage to avoid him but not the fence you hit or the car you scrape.....it's your insurance that pays because the cycle doesn't need it by law.


So if that happens the cyclist is going to stop and give you his insurance details?

Yeah right, he'd carry on cycling.
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Bigvern72
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PostPosted: 20:37 - 06 Mar 2016    Post subject: Reply with quote
Finternet wrote:
Bigvern72 wrote:

my point is that if a cycle pulls out on you and even if you manage to avoid him but not the fence you hit or the car you scrape.....it's your insurance that pays because the cycle doesn't need it by law.


So if that happens the cyclist is going to stop and give you his insurance details?

Yeah right, he'd carry on cycling.


Probably he would yes - and he'd be breaking the law and thus he'd be a dick. Rules and regulations are there for all for a reason and those that break them are dicks. The law can't counter dickism I'm afraid
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Fin
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Joined: 27 Feb 2016
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PostPosted: 21:47 - 06 Mar 2016    Post subject: Reply with quote
Bigvern72 wrote:

Probably he would yes - and he'd be breaking the law and thus he'd be a dick. Rules and regulations are there for all for a reason and those that break them are dicks. The law can't counter dickism I'm afraid


So aren't all the cyclists riding without a rear light at night, jumping red lights and damaging cars breaking the law?
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Bigvern72
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PostPosted: 21:59 - 06 Mar 2016    Post subject: Reply with quote
Finternet wrote:
Bigvern72 wrote:

Probably he would yes - and he'd be breaking the law and thus he'd be a dick. Rules and regulations are there for all for a reason and those that break them are dicks. The law can't counter dickism I'm afraid


So aren't all the cyclists riding without a rear light at night, jumping red lights and damaging cars breaking the law?


Yes indeed. Rare of course - but even today I watched a cyclist completely ignore the lights and go through (albeit gingerly) while I was sat waiting on red.

It's not on - they're road users and should abide the rules of the road. We have to.....and we have to pay for the privilege.
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lihp
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Joined: 22 Sep 2010
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PostPosted: 23:34 - 06 Mar 2016    Post subject: Reply with quote
Bigvern72 wrote:

It's not on - they're road users and should abide the rules of the road. We have to.....and we have to pay for the privilege.


Zero-Tax cars are also road users too. They don't pay.
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lihp
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Joined: 22 Sep 2010
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PostPosted: 23:35 - 06 Mar 2016    Post subject: Reply with quote
Also

Quote:
Joined: 09 Sep 2015


Who the fuck are you? Middle Finger Middle Finger
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Jewlio Rides Again LLB
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Joined: 06 Oct 2015
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PostPosted: 23:40 - 06 Mar 2016    Post subject: Reply with quote
AdamEf wrote:
Bigvern72 wrote:

Either a) your insurance company didn't fight your case well enough, or b) the two insurance companies decided on the basis of the facts they were told.....that it was your fault.

You don't need the police to take action......that's why you pay your insurance premiums for!!!



Great. Thanks for your sympathies.

Anyway... maybe back on topic? Bicycles should be ... "banned" !?


No. Who are you again?
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Ste
Not Work Safe



Joined: 01 Sep 2002
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PostPosted: 23:41 - 06 Mar 2016    Post subject: Reply with quote
lihp wrote:
Also

Quote:
Joined: 09 Sep 2015


Who the fuck are you? Middle Finger Middle Finger

Joined: 22 Sep 2010

Laughing Laughing

n00b!!
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lihp
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Joined: 22 Sep 2010
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PostPosted: 23:43 - 06 Mar 2016    Post subject: Reply with quote
Ste wrote:

Joined: 22 Sep 2010

Laughing Laughing

n00b!!


At least I can GIF Laughing
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Bigvern72
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PostPosted: 08:31 - 07 Mar 2016    Post subject: Reply with quote
lihp wrote:
Bigvern72 wrote:

It's not on - they're road users and should abide the rules of the road. We have to.....and we have to pay for the privilege.


Zero-Tax cars are also road users too. They don't pay.


We're talking insurance you cock, not tax.
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Bigvern72
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PostPosted: 08:32 - 07 Mar 2016    Post subject: Reply with quote
lihp wrote:
Also

Quote:
Joined: 09 Sep 2015


Who the fuck are you? Middle Finger Middle Finger


Wtf has the date I joined got to do with it? If that's your best form of arguement I'll expect to see you playing with the tractors with the other kids at kindergarten.
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arry
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PostPosted: 09:04 - 07 Mar 2016    Post subject: Reply with quote
AdamEf wrote:


I think you'd struggle to get the insurance company of someone who has not touched you or your vehicle to pay up for anything that happened to it physically. In their eyes it would be your driving, your vehicle, your fault. Insurance companies are quite keen not to pay out even in the best circumstances. Where someone has not even touched you I doubt you'd have much luck.


It's nothing to do with their eyes it's to do with where they believe fault would lie if the case goes to court.

Accidents like this happen all the time and claims are made against insurers where their drivers haven't physically contacted anything but their standard of driving caused an accident. It's not uncommon and where there's a potential legal liability the insurer will respond to defend or settle depending on the circumstances and evidence given
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