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willski. Hope your father is ok and recovers soon.

I'm going out now....I may be some time.

Can't make tomorrow and so am donning a jacket (sorry should really HTFU and go out in just a short sleeved jersey) and heading off to RP.

Noggin ftw

Postgate Rip

I've no problem joining a representative organisation (and will probably join the CTC or LCC in the next couple of weeks), but the insurance thing does bother me. Liability/3rd Party Cover is no problem, and I welcome the opportunity to chuck that back at a few motorists, but if I wanted to insure all 3 of my bikes, I'd be paying nearly £1,000.

I just can't afford that - problem is that each time I've been hit the driver never stuck around to give their details, so am over a barrel. Either pay a shitload for bike cover or end up shelling out for a new bike every time some gutless bastard doesn't have the courage to face up to the consequences of their actions.

You are correct. Liability insurance is cheap. First party insurance, hwoever, is vastly expensive. The best solution, if you can take a risk, is to self-insure.

If premiums would cost you £1,000 a year, simply place £1,000 each year, at £20 a week or equivalent a month, in a designated interest bearing account until that account has sufficient funds to cover the replacement cost of your bikes. Then, take money out to pay for emergency repairs etc but refund the account as necessary. At the end of the day, if you are careful with your bikes and lock them securely etc, you will have an emergency fund and no more premiums.

Same as when you drive a car without insurance and crash into someone and can't afford to pay.

Not quite. The Motor Insurance Bureau will pay compensation to victims of uninsured drivers. The MIB is funded by a levy on motor insurance premiums. Motorists who pay for insurance thererfore also pay for those who do not.

Cyclists with no cover and no assets will be made bankrupt - if anyone can be bothered. If you have assets, these will be taken before you are made bankrupt.

Ahhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhh!!!!!!!!!!!!!!!!!!!!!

Padded bib shorts FTW

CTC, British Cycling and LCC all offer liability insurance included in membership. Your household insurance may well have this as well. CTC and British cycling also cover personal accident to you so if you are injured you get money. CTC certainly also gives free legal assistance.

RPM - see you (and any one else) at 10:30 tomorrow.

The Joys of Chrristmas:

24 December - leave work early not telling family office is closing early. Ride.
25 December - morning ride
26 December - morning ride, football in pm, Critical Mass
27 December - RP training and then ride
28 December - Long ride
29 December - commute
30 December - commute
31 December - office closes early, ride
1 January - long ride
2 January - commute
3 January - long ride
4 January - ride

Is ToI = Tour of Ireland?

Yes.

Are you coming along?

There's a posse of citywankers going to sort him out tomorrow night if you wanna join in? :)

No. I meant it.

Thanks

The noise my back wheel makes is, apparently, a metaphor for the economy.

So it is all your fault?

Thanks.

RPM, to be fair to James, by the time he has finished telling us all about his sexual expolits of the night before he is usually quite out of breath. The rest of us just ride off....

I'm not a regular customer there at all but they were happy to have a fiddle with my bike for free when I'd lost a couple of chainring bolts.

Only because you look so alluring in your bib knicks.

I've just had a radio 4 producer in my kitchen recording the sound my bike makes when the back wheel turns; you can't put a price on that.

I will listen to the Archers with keen interest this Sunday.

Joe Grundy cycles off to the sound of Will's rear wheel. Bliss on a Sunday morning.

[*]strengthens wrist of choice

There are cheaper and less dangerous ways of doing that ;o)

It's either being blown up Sawyers Hill in the driving freezing rain or Christmas shopping.

I'll be at the cafe at 10:30.

Do nuns have to obey the same rules of the road as cyclists?

Congestion charge for a year £8 x 50 x 5 = £2000
Parking in the City for a year = £2,500
Plus fuel, vehicle excise duty, insurance, servicing, depreciation.

Cost of driving to work each day over a year = considerably > £5,000.

I've now been cycling rather than driving for two years and have saved money despite two nice new bikes, acres of lycra and various other pleasant things.

Thanks Oliver ;o)

I joined Dynamo same time as liitigator, though I haven't met him.

No one has met Littigator. I doubt that he is real. I suspect that he is a syndicate of individuals who share a user name and password on here, the BikeRadar commuting forum and the Dynamo forum.

50/14, you are clearly ideal for Rollapaluza CC (as is Littigator).

Is that last month's Rapha ride?

spotted all the messengers on the steps... looks slow.

Sadly, messengers, like taxis, are some of the first to feep the effects of the economic slow down. With fewer deals being done, there is less traffic from banks. Lawyers increasingly use e-mail or web-based shared viewing unless signatures are required or bulk is too great (in which case they use vans). Advertising is being hit very hard right now which cuts down on traffic further. Not good times to be a messenger.