This is about cycling, but it’s also about insurance, a subject that until now I haven’t thought a lot about.

I haven’t seen Suzy in a while as she has been away working but she promised ages ago that we’d go up into Yorkshire to ride some of the route of Le Tour, and sure enough this week she honoured the promise.

It was both wonderful and oh so hard!

Anyway the business side of the post came because of two insurance issues we tackled before we were able to set off.

Suzy arranged to borrow a friend’s car to take us up to just north of Skipton to a pub called The Devonshire Fell. It was a really nice big BMW luxury Landrover type thing and we only had to take the front wheels off our bikes to get them in. But we had to buy a short term insurance policy for it and I was surprised when Suzy printed and read all the terms and conditions.

She insisted to me that it was vital, and that she’d just upgraded her home contents insurance to take account of her new bike which will have cost her a heck of a lot (like more than two grand). Suzy explained that not having the right insurance is almost as bad as having none. If something happens and you need to make a claim you will have enough to worry about anyway, you won’t want to be worrying if the insurer is going to pay out or not.

I had a look online when I got to the hotel just now and found a good piece on the Express site that explains clearly how an insurer would be within their right not to pay up when you have been stupid yourself. It talks about things like leaving the sat nat on the car seat, or, like Suzy, when you buy something new and expensive, you forget to let your insurer know.

It was all an education for me, but then my only processions that I care about are my bike and my iPad. Perhaps I should think about insuring them?

She’s finished in the shower now. I need to have one then we’re going down for a drink before dinner. It all feels so grown up – here’s the view from our window…

From The Devonshire Fell

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