What Happens If A Cyclist Causes An Accident Or Damage To A Car?

Bike on the floor near cars
We've all had our share of near misses

Riding on the roads can be risky business and we’ve all had our fair share of near misses with other road users. However, sometimes we the cyclist can be the ones to blame in an accident.



Accidents and damage occur usually due to negligence. It can be negligence of the driver, the rider, the local council and road maintenance office, or even negligence of the car or bike manufacturers. We will be focussing on cyclist on car incidents here.

Ultimately, it’s important to make sure that in the event of an accident, you were not cycling in a way that could be deemed negligent. This could involve skipping a red light, riding against traffic, not giving way or even riding without lights in the dark. For a refresher on what’s legal and what’s not as a cyclist riding on the road, refamiliarize yourself with the Highway Code.

The event

In the event of any crash or accident involving a driver and a cyclist – even if it is the cyclist’s fault – a car is a big metal box so the rider will more than likely come off worse. So medical attention should always be sought first. Crashes are scary things and result in tremendous amounts of shock for all parties. This will result in behavioural changes that may include anger or silence, so it’s important to remain calm and not be drawn into potential arguments.

Like any collision on the road, legally you have to stop when an accident causes injury or damage and swap insurance details. This is a volatile time in the process, so it’s important to talk through what you are doing, not cast blame, and obtain vital pieces of information like names, details, email addresses and then things like the car’s number plate and your bike’s serial number. These details can then be passed on to insurers or, in the event of an accident report, the police.

If you ever find yourself in a situation where you have caused damage when on your bicycle, make sure to contact us on 0800 888 6745. We will then help you through the process if you’ve taken out third-party liability cover in your policy. These sorts of incidents can either be settled quickly and in relatively good faith or they can begin to stack and eventually lead to settlements within a small claims court. Either way, Pedalsure will be with you.

Third-party liability insurance

You can add our third-party liability cover to your policy before you take it out. It provides cover against damage to persons or property when you are the one who has caused said damage. As part of our policies, we offer our customers the choice of up to one million pounds in liability cover. You may think that simply being a member of British Cycling or CyclingUK will grant you third-party liability insurance, but this is not the case. The question of whether a cyclist needs this type of insurance or not is an age old one, but we’ve made it easier for you to understand in our article Do Cyclists Need To Have Third-Party Liability Insurance?

Another important element to take out in our policies is cyclist’s legal protection. We highly recommend you consider this section if you use your bike to commute or race where the risk factor is slightly higher than everyday cycling. It’s there to cover you in the event of an accident and any damage to you or your bike. We will pay for the expenses and costs that we have agreed on in the policy and also any penalties that arise to do with the claimant’s costs and expenses. Any compensation or penalties awarded to you cannot be covered though.

In the event than an accident is proved to be a result of your negligence, it’s good to know that someone is fighting in your corner. Pedalsure is here to keep you enjoying every moment on your bike with peace of mind. You can find out more about our insurance policies by reading our full guide or reading our policy documents. You can now get a free gold rated Hiplok DX D-lock worth £69.99 with any new insurance policy, just one of many ways we protect both you and your bike.


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