Bicycle Insurance

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Why you need Public Liability Cover

Why do I need Public Liability Cover?

Accidents do happen. Public Liability insurance is designed to cover you for any third party claims. This includes any damages for which you are held liable.

In other words, Public Liability insurance covers legal expenses if you cause accidental bodily injury, death, disease or accidental damage to any person or third party property which arises from your use of or ownership of your insured bicycle.

Examples of this might be you hitting and injuring another person when you are riding your bike, or you hitting and damaging another vehicle whilst you are cycling and you need to cover the cost of repairing the damage or legal expenses incurred in defending the case.

The limit for Public Liability insurance on Protect your bubble’s Everyday Cover is up to £1,000,000 and for Adventure Cover it is up to £2,000,000.

What Public Liability insurance will not cover

The following would not be covered by your Protect your bubble Bicycle Insurance in the event of a claim:

• You won’t be covered if you cause damage to your own property or property under your care.

• You won’t be covered under this part of your insurance if you injure a member of your own family or employee or damage their property.
  

• Cover excludes any person under the age of 16 or over the age of 85.

• You are not entitled to public liability cover where you are entitled to indemnity from another source or where punitive or exemplary or aggravated damages are awarded against you.

• This part of your bicycle insurance cover is subject to an Excess of £250 for each and every claim arising from damage to third party property and an Excess of £500 for each and every claim arising from third party injury which must be settled by you in the event of a claim.

 

For further information, always read your policy wording and full terms and conditions