Cycling Safety – Procurement of Cycling Insurance
In recent years, the number of activities organized by the Automobile Association of Jiaotong University has reached over a thousand people per year.
The collective riding activities organized by the Car Association are all for participants who have registered to purchase accident insurance (except for special instructions).
Many members also enjoy buying insurance for themselves and their peers during spontaneously organized cycling activities.
Due to the unique nature of going out for cycling, some students often worry that the insurance they have purchased may be difficult to claim, and some also ask if there is a suitable insurance for cycling.
To this end, the Car Association shares its insurance purchasing channels here for everyone, and also provides some suggestions for choosing insurance, so that everyone can refer to them when hoping to purchase insurance.
It is recommended to purchase insurance when going out for cycling.
When traveling in groups, insurance should be purchased, which is responsible for oneself and other participants in the activity.
Most insurance needs to be purchased one day in advance, but there are also insurance that takes effect on the same day.
When purchasing insurance, it is important to carefully read the terms and conditions, pay attention to whether the insurance coverage and liability exemption clauses cover urban road riding, Whether to cover non road riding, such as mountain biking, cross-country riding, whether there is altitude limit (if riding on the plateau), whether to cover acute disease, such as heatstroke deductible and compensation ratio (mainly for accident and acute disease medical treatment), whether to cover personal liability insurance, whether to cover accidents caused by driving non motor vehicles, whether to cover deductible losses that should be compensated by a third party but not compensated by a third party (part of the insurance will refuse to compensate for accidents caused by a third party and escape or be unable to compensate) Is it covered for travel within the city (or within the city jurisdiction)? Is it covered for travel with bonuses or rewards, semi professional sports, and competitions using passenger transportation vehicles that have not been registered and approved by relevant local government departments (such as accidents that occur when you block a tricycle to take you to the hospital or accidents that occur on the way back to school by taking a black car? When people need to take a vehicle in situations such as accidents or physical exhaustion, they need to take a legal vehicle) For a multi day trip, it is usually cheaper to buy a multi day insurance at one time than to buy a single day insurance multiple times (see the insurance rate table).
Again, please read the terms carefully when buying insurance, especially the exemption clauses.
Attention should be paid to distinguish between accidents and acute disease.
Heat stroke is a acute disease.
Many people mistakenly interpret the time and risk rate as a proportional relationship.
In fact, the length of time has nothing to do with whether there is an accident probability.
Outdoor sports themselves have many uncertainties, and some friends may choose sports with higher risk factors.
Therefore, outdoor single day insurance coverage should become a very important part.
The outdoor scenery is good, but the specific service measures are often relatively poor.
In the process of outdoor sports, once danger occurs, it is often more serious
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