Do cyclists really need insurance?

Although it isn’t a legal requirement, we would always advocate that cyclists take out insurance. Whether you’re a regular commuter, a leisure rider or a cycling aficionado, a minimum of third party insurance is always advisable.

Last week, the outcome of a cycling accident claim made national headlines.

Cyclist Robert Hazeldean collided with pedestrian Gemma Brushett in July 2015 as she crossed a busy road in London whilst looking at her phone. A county court judge found each party equally culpable for the incident. However because Hazeldean did not have insurance and did not make a counter claim, he now faces bankruptcy over a predicted £100,000 bill for Brushett’s compensation and legal costs.

Hazeldean’s case doubtlessly highlights the importance of having appropriate insurance and taking early legal advice. National cycling organisation British Cycling offers membership packages which include liability insurance for as little as £37 per year – a small price to pay for peace of mind.

If you require expert advice from a member of our personal injury team, please email personal.injury@emsleys.co.uk or call 0113 232 1030.