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What is Public Liability?

By Updated June 2020.

Cycle Insurance has several different aspects to each policy, one of which is Public Liability. It’s often one that confuses people, so we’ve put together a guide to talk you through the ins and outs of this additional cover option.

Typically, Public liability cover helps with legal costs and compensation for any injury or damage that you cause as a cyclist to any third party, whether that is a pedestrian, a vehicle, or property such as a fence or gate.

If you were to collide with a pedestrian whilst cycling, you can cause serious injury. Although you are not likely to be travelling as fast as you could in a car, there are still a lot of area's on your bicycle that can cause injuries to anyone you hit or clip if you were not cycling carefully. Even with the best intentions, accidents do happen, if someone were to run across in front of you or trip and fall unexpectedly then you could be facing a hefty compensation bill.

If you damage a vehicle, for instance scraping your pedal along a parked car or colliding with a moving vehicle, if you are found to be at fault then again you could face a large bill for the repair of the damage and possibly compensation to the driver if they were injured.

Some vehicles can cost a lot of money to repair even a small scratch, for example a top of the range sports car with a custom paintjob, you could be looking at a bill reaching into thousands of pounds. Cycle Insurance would help you pay this.

This is called Third Party Property Damage. If you were to crash into someone’s garden fence and damage or break the panels, or in any way damage another person’s property, then the same would apply as with the vehicle example above.

So why not get a quote for Cycle Insurance today and see just how little it could cost you to get the cover that you require?