Bicycle Insurance Uk Law

The motor shouldn t be able to propel the bike when it s travelling at more than 15 5mph.

Bicycle insurance uk law. Cycling uk s insurance policy also covers collisions between cyclists so for example if you and a pal happen to collide during a group ride as long as it s not a race then you can in a. Unfortunately theft isn t the only risk that comes along with cycling. Claims where proof of bicycle or lock ownership cannot be provided claims where the bicycle has not been secured correctly through the frame using the appropriate sold secure rated lock cycle not covered if left unattended in a public place for more than 12 hours 24 hours at a train station and place of work. You must obey all traffic signs and traffic light signals.

A claim on your bicycle insurance won t have any impact on any other insurance. Any e bike that doesn t fall into those rules is treated as an electric motorbike or moped. A light obscured by a saddlebag isn t legal and neither is a torch on your head though. Laws rta 1988 sect 36 tsrgd reg 10 1 rule 70.

If your bike s properly secured a bicycle insurance policy will cover you for theft and damage caused by vandals. In law a bicycle is defined as a carriage for use on the highway but cyclists are not in charge of mechanically propelled vehicles so in law do not have to adhere to exactly the same rules as motorists including drink drive rules. You can ride an electric bike if you re 14 or over as long as it meets certain requirements. However it s worth remembering that if an incident involves you breaking the law while on your bike your insurer can refuse to pay any claims.

Cycling uk s guide to cycle lighting regulations explains the road vehicles lighting regulations in detail but in summary you need a white light at the front and a red light at the rear visible from the front and rear respectively and fixed to your bike. So if you skip a red light and get hit your insurer will probably refuse to fix your damaged bike. Between june 2018 and june 2019 the department for transport reported 17 470 cyclists killed or injured in reported road accidents.