Cyclists to get cheaper insurance

"Nick" wrote
On 01/12/2015 22:06, TMS320 wrote:
"Nick" wrote
On 01/12/2015 20:02, Mrcheerful wrote:
On 01/12/2015 18:32, Cycle-Ops wrote:

So if cyclists travelled the same distance as cars do, cyclists would
kill 76 people, over twice as many as cars do at present.

But they don't.

And anyway shouldn't you be comparing miles travelled on the pavement.

No, it's because pedestrians harmed per vehicle-distance is a completely
meaningless metric. Only useful for people to try to prove to the
world that they can use a calculator.

Not completely meaningless. As with most of these metrics it all depends
what question is being asked. Admittedly I can't think of a sensible one
off the top of my head...

The comparison is certainly superficial when national averages are compared.

Vehicle-distance tends to go up as population density goes down - journeys
are longer in rural areas compared to towns, providing better figures. But
when looking at the casualties by population (eg, per million people), the
denser areas - towns - tend to do better. It suggests the comparison should
be by journey.

On Wed, 02 Dec 2015 18:16:18 +0000, Cycle-Ops wrote:

halfwit.

Oh what a lovely compliment.
I could not give a ****.
I ride a bicycle.

Nick wrote:

On 01/12/2015 11:49, Roger Merriman wrote:
Alycidon wrote:

QUOTE:
"An insurance firm is shaking up the market by offering cyclists discounts
on their car insurance because they are "better car insurance risks
than
the average driver".

Carinsurance4cyclists.com's homepage said: "We think cycling on the road
has made you a better driver."

The firm explained the thinking behind offering cycle club members cheaper
car insurance: "We have been able to demonstrate to motor underwriters
that cyclists, who are part of a club, are better car insurance risks
than the average driver due to their enhanced spatial awareness, road
alertness and healthy lifestyle."


http://www.bikebiz.com/news/read/cyc...ar-insurance/0
18747

there is a irony that, it's for bike club members, who on the whole
don't inspire confidence.

mainly cutting up others tailgating/drafting and other such stuff it's
the folks in club top on the whole.

the idea that folks ride better due to being in a club is frankly
wishful thinking it doesn't stand up.


watching when the boot is on the other foot, cyclist buzz pedestrians on
shared paths and so on, the idea being a cyclist makes a better driver
is suspect. bare in mind most people think they are better than average
driver....


We have been able to demonstrate..... suggests they are talking money.

I suspect most cyclist drivers are more careful of cyclists when
driving. This does not mean they are not selfish, pushy, unpleasant
human beings or that they do not treat pedestrians badly when cycling.
What it may mean is that they are less like to be involved in collisions
with cyclists which cost the insurers money.

Follow the money so to speak.

It could also just be that there is no real risk difference and the
insurance underwriters think it is good PR for little cost.

the later would seem more likely, they offer nothing to back up their
claims and seem to be set up to atract the cyclist vote.

Roger Merriman

Rob Morley wrote:

On Tue, 1 Dec 2015 11:49:57 +0000
(Roger Merriman) wrote:

there is a irony that, it's for bike club members, who on the whole
don't inspire confidence.

mainly cutting up others tailgating/drafting and other such stuff it's
the folks in club top on the whole.

the idea that folks ride better due to being in a club is frankly
wishful thinking it doesn't stand up.

I think maybe they're just used to riding like that with a bunch of
club members, and forget that your regular cyclist is likely to be
uncomfortable riding that close. I was unexpectedly swept up in a
club run a while back while pottering along a country road, and I'm
supposed to be used to that sort of thing - I imagine it would be quite
unnerving for a utility/touring cyclist. As it was I was just annoyed
that they managed to swarm around me before we got to the top of a
steep hill, because they slowed me down on the descent.

I'm sure thats most of it yes, and also living near Richmond Park one of
the clubs that uses it has a well earned reputation.

Roger Merriman