Posts Tagged ‘cycling’

How Insurance Companies Make Money

Friday, April 30th, 2010

Have you ever wondered how insurance companies make money? Maybe you’ve already noticed how keen they are to sell you a policy and equally, how reluctant they are to pay out. In fact, if you’ve ever tried to file a really substantial claim, you’ve probably discovered there was more fine print than you originally thought.

ETA is a company that provides insurance for cyclists in Britain. The advert before me boasts that it pays “up to £1 million in the event of you causing damage while you are cycling to property or to another person.” I take this to mean, any time you’re riding your bike.

In addition, they offer 90 days of cover while you’re in Europe, meaning that you’re not in the UK, and new-for-old replacement if your bike is stolen; so, now you know how to get a new cycle.

The most interesting coverage they provide, however, is their personal accident cover, “which pays you compensation if you are killed or seriously injured while cycling.

Collecting for the latter is probably easier than it is for the former.

Bruce Hoag, PhD, CPsychol
Work Psychologist

http://www.p-advantage.com

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Pretty, or Pretty Dead?

Monday, May 25th, 2009

Today is Memorial Day in the U.S. and the May Bank Holiday in Britain. So it seems particularly fitting to digress a little bit in this blog from Another Fine Mess at work to Another Fine Mess at play.

On my morning cycle ride today, I was reminded that some people are more concerned about whether they look cool or fashionable than they do about being safe. I passed two blonde roller-bladers wearing protective knee and elbow pads, and gloves, but no helmet. I also saw numerous other cyclists in their fancy jerseys and other expensive kit, but no helmet.

Maybe you fail to see the Fine Mess, too, so I’ll explain it as clearly as I know how: If you fall hard enough to need gloves, knee pads, or elbow pads and hit your head while not wearing a helmet, the only thing that you can be reasonably guaranteed is a pretty corpse. If you are too proud, too arrogant, or just too stupid to wear a helmet, then at least carry a photo ID. That way your relatives won’t have to look at your face when they claim your body. The moral is that you can insist on being pretty, but end up pretty dead.

CTC? On Your Bike Mate!

Friday, April 17th, 2009

The CTC today criticized Mayor Boris Johnson’s plans to allow bicyclists to turn left on a red light without being fined. For those of you who don’t know it, Britons (as well as Australians, Indians (sort of), Japan, etc.) drive on the left hand side of the road. So, turning left on red is the equivalent of turning right on red in the United States. CTC said that one-third of cycling deaths occur when heavy goods vehicles or HGVs (large trucks) are turning left.

To be honest, I can’t see what the problem is. Cyclists, like motorists, have a responsibility to make sure they aren’t turning into the path of an oncoming vehicle, and the cyclists I know (except in Italy) have a sense of self-preservation that curbs (or kerbs in Britain) any suicidal tendencies to try to outrun any car racing towards them. I’ll tell you another thing. If I was cycling (and I do), I’d welcome the chance to turn left and get a head start on any HGV behind me before the light changed. I lived in Britain for 27 years, so I know about these things.

I’m baffled at what CTC has really got against this. I suspect that they have leftist tendencies and are lashing out at this politician because he represents views that are considerably to the right of theirs.

Folks, this represents Another Fine Mess of the hugest proportions. No one – no politician, political party, businessman or woman, no theologian, no academic professor (& I are one, sometimes) – not even a political action group, lobbying group, and certainly no environmental group – has a corner on the best ideas. We need to learn to give credit where credit is due and not to take ourselves too seriously.