I'm a cyclist.

UKworkshop.co.uk

Help Support UKworkshop.co.uk:

This site may earn a commission from merchant affiliate links, including eBay, Amazon, and others.
Ah - this may be down to the phrases being used. I read your initial post as suggesting insurance is a one way bet for insurers which is not the case.

The expectation of future claims largely determines premiums moving forward. Loss experience is one factor that determines the expectation of future claims costs.

Historic claims costs however are paid from premiums already collected. The PRA would stop an insurance company trading if they were looking to use future premiums to pay claims already incurred.

Sorry if I appear pedantic John - I do this stuff for a living and forgot this is only a woodworking forum 😉

Cheers
No problem. You sound like you know your onions.
 
I used to like cycles until the knee's gave out.....thats caused by kick starting old brit bikes.....I was one of the first to buy an electric start Honda all those years ago...
I did have a go a little while ago but slipped and hurt my Trossachs....it had one of those split ur cheeks saddles....ohhhhh.......no more for me.....
Now I do quite fancy an E bike......we'll see.....
 
Blackswanwood....
here's my two...Not Harleys..the Scout has been in boxes for over 40 years, the four is nearly ready to rebuild and have been buying parts for a v/long time...still a long way to go tho....they are soon to see daylight.....
When I lived over there in the 70ss -80's I should have bought as many Knuckle and Panheads heads as I could...mmmmm
Unknown-1.jpeg
images-1.jpeg
 
instead of idiotic schemes, such as the ones proposed for Bradford, Leeds and Sheffield where private cars will be exempt from the "Congestion Charge" whilst vans, taxis, lorries and buses will be charged. Wrong way! Private cars should really be banned from city centres completely whilst other vehicles allowed in should have a very valid reason for being there.

If only commercial vehicles were allowed in town centres rather than private cars, then as a contractor I would have to have a second vehicle. Same with 95% of the people on site I've worked with. Somewhere like Cambridge where sites became more and more cramped so space outside the building footprint was limited to space for one tool container, main contractor offices, space for one delivery truck and that's it, meant a van from the out of town parking brought everyone and their tools in, which meant getting up even earlier. And out of town sites become a nicer place to work. Insitu reinforced concrete is not something that keeps you employed within 5 miles of your house. People reckon concrete is on the way out, but since it can include the fireproofing, possibly finished surfaces and not just the frame, lift core, etc maybe it's not done yet. If the price of driving goes up so will the cost of big new structures like hospitals, colleges, museums, water treatment, you can't keep the people needed to build them within walking distance. When one finishes everyone goes off looking for the next tower crane, how frequently do you see them?

My neighbour cyclist suffered brain damage despite wearing a lid, but she was run over by a bus. I passed my car test first time after only eight one hour lessons, later passed my direct access bike test and then Class C truck first time so obviously my behaviour on the road is uncriticisable, You can certainly see many people who have no comprehension of what other vehicles need because they have no experience of it. Cyclists in Cambridge has always been one, they have no clue and many are dangerous. An hour or two in another category of vehicle might help during the learning phase for new drivers would be helpful. The Police have trucks that could be used for that maybe. One roundabout during my truck practice and test was so busy, and you approached it on one of the minor on ramps, there was no way you could see far enough into incoming traffic to go when it was going to be clear. Whatever you did you would be getting in someone's way, beeped at, etc but you would need a replacement roundabout to be safe. How many of those in a rush car drivers thought beyond "why is that fxxxxxx ***** pulling out right in front of me?"

Looking to buy a new Highway Code I see it's not out for a few months. Why don't the latest changes tally with a new edition? Not helpful.

My progression back into cycling is at the level of putting on lycra before responding to cycling threads. Off to rest and recover now.
 
For a cossover of woodwork and cycling this may be of interest …a hardwood bike frame.

7FA742A4-8308-424B-8FC3-FB6E613A055A.jpeg

They are made to order and start at $5k apparently. The firm that makes them are a spin off from a company that specialises in wood bending for use in buildings.

From what I could see when I saw it (it’s on display at the Museum of Science and Industry in Chicago) it is solid wood as opposed to laminated which is what I would have expected.
 
Pedestrians always had priority in my book. I can't see what all the fuss is about.
Likewise I've always done my best not to kill or maim cyclists, even if they're wearing Lycra.
If I see anyone rowing, on the other hand, they're fair game. Dr Bob, you have been warned.

Pedestrians had priority, of a sort, if they were already crossing then yes motorists had to stop; but that law was written in the days when pedestrians were not walking zombies with an attention span measured in milliseconds and said attention is diverted away from where they are and what they are doing and instead to a small handheld device held sometimes inches from thier face with something clearly so mesmerising that thier own personal welfare and safety is paid no heed.

That's the ******* problem now.

Oh and pedestrians aren't required to give signals as to their intention of travel.

If some braindead but otherwise still ambulatory tw*t steps directly in front of a moving vehicle doing even 20 miles an hour just scant yards away, without any check if it's clear, then frankly that's called "natural selection" because a smarter person would know better. Before you say the driver needs to be vigilant - how do you be vigilant driving down a main road with a pavement FULL of pedestrians who can and often WILL step out into the road at any moment, without slowing the entire road traffic to a crawl? Drive down Bristols Gloucester Road, a main traffic route into Bristol city centre, on any given day and you'll see what I mean; it's simply not possible yo pay heed to EVERY.SINGLE.PEDESTRIAN. who may step out in front of you without driving at 5 miles an hour.

And now the law has given them the right to not even LOOK, just step out, and often with headphones on so they cannot even HEAR that a vehicle is literally right next to them already making its own lawful manouvre.

I cannot see why so many people are against motorists who simply don't want lemmings walking out in front of them without any personal responsibility.

Yes the new change shows at junctions only etc, but do you think the pedestrians are going to stick to that particular requirment? The answer is a resounding NO, because, I've alreay seen an uptick in people walking out in front of traffic from the pavement, and now even between parked vehicles.

Next they will be saying we have to revert to the oldest motoring law - that of "you must have a man with a red flag walking in front of you, warning pedestrians of your passage and travel not faster than 5 miles an hour".

Many pedestrians now seem to beleive they "rule the road", now yes it's mostly the morons, snowflakes and militant lefties who think this way, but that's still far too many.

OOH here's a good question, are any of you who read this with young children still going to teach them the "green cross code"? Or just tell them they don't need it now and hand over thier personal safety be controlled by a complete stranger who may or may not be driving while: texting, face-timing, watching **** (seen that), doing thier work report last minute before a meeting, on drugs of varying types, flat out stoned (going by the stink of marijuana everywhere), drunk or otherwise intoxicated, doing thier makeup, brushing thier hair, arguing with the children / spouse / lover, reading a map (still happens), reading a book (seen that too), masturbating or receiving fellatio, driving an unfit vehicle who's wheel may fall off at any moment, or brakes fail, or accelerator get stuck or... o...r or... or any 1 of literally THOUSANDS of other ways for a person to be killed or severly injured by a vehicle.

For all of you who are bleating on about "it's all on the driver", answer the above question please, if you can, without sounding like a hypocrite.

I'm reminded recently of something that happened recently in the USA, I've just spent 6 weeks there and I was at a rather posh retreat in the Catskill mountains for a couple of days (Mohonk Mountain Resort for the curious, highly recommended), that has miles and miles of trekking; they had closed off almost all the routes for walkers because "there is some ice" and when I say "some" I really mean "almost none", but the highly litigious nature of the USA is such that rather than simply give an advisory and allow people to make thier own decisions on thier walking ability and expect them to have a few braincells to do this with, instead 90% of the trails, had been closed.

Being English however, my brother, his wife and I said "bollocks" and walked them anyway as we were paying guests and that's what we were there for; the trails were fine, even with a 4.5 year old child, no-one slipped, not even once.

"Personal responsibility" people, either we use and ENFORCE the concept or soon we won't be able to buy sharp implements "in case you cut yourself or someone else" and it's all dogsh*t and downhill for everyone from then on.

Here's a question (before this turns into a /rant (lol) - what's the concensus on car insurance premiums - will they go down now because "everybody's being more careful now" or will they hiked up even more to pay for all the spurious claims?

My money's on UP, way up.

PS - Now I understand why the USA has / had the "jaywalking" law - so pedestrians had to cross at designated places instead of "just anywhere" like we do, so motorists had a fighting chance of at least knowing WHERE the pedestrians would be crossing, instead of blindsided by a phone zombie stepping out from behind a parked van.

I'm getting myself a dashcam, I suggest others do the same.
 
Pedestrians had priority, of a sort, if they were already crossing then yes motorists had to stop; but that law was written in the days when pedestrians were not walking zombies with an attention span measured in milliseconds and said attention is diverted away from where they are and what they are doing and instead to a small handheld device held sometimes inches from thier face with something clearly so mesmerising that thier own personal welfare and safety is paid no heed.

That's the ******* problem now.

Oh and pedestrians aren't required to give signals as to their intention of travel.

If some braindead but otherwise still ambulatory tw*t steps directly in front of a moving vehicle doing even 20 miles an hour just scant yards away, without any check if it's clear, then frankly that's called "natural selection" because a smarter person would know better. Before you say the driver needs to be vigilant - how do you be vigilant driving down a main road with a pavement FULL of pedestrians who can and often WILL step out into the road at any moment, without slowing the entire road traffic to a crawl? Drive down Bristols Gloucester Road, a main traffic route into Bristol city centre, on any given day and you'll see what I mean; it's simply not possible yo pay heed to EVERY.SINGLE.PEDESTRIAN. who may step out in front of you without driving at 5 miles an hour.

And now the law has given them the right to not even LOOK, just step out, and often with headphones on so they cannot even HEAR that a vehicle is literally right next to them already making its own lawful manouvre.

I cannot see why so many people are against motorists who simply don't want lemmings walking out in front of them without any personal responsibility.

Yes the new change shows at junctions only etc, but do you think the pedestrians are going to stick to that particular requirment? The answer is a resounding NO, because, I've alreay seen an uptick in people walking out in front of traffic from the pavement, and now even between parked vehicles.

Next they will be saying we have to revert to the oldest motoring law - that of "you must have a man with a red flag walking in front of you, warning pedestrians of your passage and travel not faster than 5 miles an hour".

Many pedestrians now seem to beleive they "rule the road", now yes it's mostly the morons, snowflakes and militant lefties who think this way, but that's still far too many.

OOH here's a good question, are any of you who read this with young children still going to teach them the "green cross code"? Or just tell them they don't need it now and hand over thier personal safety be controlled by a complete stranger who may or may not be driving while: texting, face-timing, watching **** (seen that), doing thier work report last minute before a meeting, on drugs of varying types, flat out stoned (going by the stink of marijuana everywhere), drunk or otherwise intoxicated, doing thier makeup, brushing thier hair, arguing with the children / spouse / lover, reading a map (still happens), reading a book (seen that too), masturbating or receiving fellatio, driving an unfit vehicle who's wheel may fall off at any moment, or brakes fail, or accelerator get stuck or... o...r or... or any 1 of literally THOUSANDS of other ways for a person to be killed or severly injured by a vehicle.

For all of you who are bleating on about "it's all on the driver", answer the above question please, if you can, without sounding like a hypocrite.

I'm reminded recently of something that happened recently in the USA, I've just spent 6 weeks there and I was at a rather posh retreat in the Catskill mountains for a couple of days (Mohonk Mountain Resort for the curious, highly recommended), that has miles and miles of trekking; they had closed off almost all the routes for walkers because "there is some ice" and when I say "some" I really mean "almost none", but the highly litigious nature of the USA is such that rather than simply give an advisory and allow people to make thier own decisions on thier walking ability and expect them to have a few braincells to do this with, instead 90% of the trails, had been closed.

Being English however, my brother, his wife and I said "pineapples" and walked them anyway as we were paying guests and that's what we were there for; the trails were fine, even with a 4.5 year old child, no-one slipped, not even once.

"Personal responsibility" people, either we use and ENFORCE the concept or soon we won't be able to buy sharp implements "in case you cut yourself or someone else" and it's all dogsh*t and downhill for everyone from then on.

Here's a question (before this turns into a /rant (lol) - what's the concensus on car insurance premiums - will they go down now because "everybody's being more careful now" or will they hiked up even more to pay for all the spurious claims?

My money's on UP, way up.

PS - Now I understand why the USA has / had the "jaywalking" law - so pedestrians had to cross at designated places instead of "just anywhere" like we do, so motorists had a fighting chance of at least knowing WHERE the pedestrians would be crossing, instead of blindsided by a phone zombie stepping out from behind a parked van.

I'm getting myself a dashcam, I suggest others do the same.
Sounds like you should take an anger management course before you next get in to a drivers seat. It is exactly this kind of perspective that shows the absolute need for the new changes in protection hierarchy.
 
Beautiful area, I lived in Polmont for quite a while in the 90's, loved it.
Not far from where I am and when I worked, Polmont was one of the stops on the journey to Edinburgh. I recently walked through Polmont looking for a fellow cyclist with a working pump. You wouldn't believe how few cyclists there are when you really need one!!
 
Sounds like you should take an anger management course before you next get in to a drivers seat. It is exactly this kind of perspective that shows the absolute need for the new changes in protection hierarchy.

I enjoyed the irony of someone so easily triggered calling other people "snowflakes". Proper, old-fashioned, unhinged ranting. 8 out of 10, looking forward to the sequel.
 
............. Drive down Bristols Gloucester Road, a main traffic route into Bristol city centre, on any given day and you'll see what I mean; it's simply not possible yo pay heed to EVERY.SINGLE.PEDESTRIAN. who may step out in front of you without driving at 5 miles an hour.
In that case there should be a 5mph limit or maybe a complete ban
............

Next they will be saying we have to revert to the oldest motoring law - that of "you must have a man with a red flag walking in front of you, warning pedestrians of your passage and travel not faster than 5 miles an hour".
Hmm, yes in your case! :ROFLMAO:
Many pedestrians now seem to beleive they "rule the road", now yes it's mostly the morons, snowflakes and militant lefties who think this way, but that's still far too many.

OOH here's a good question, are any of you who read this with young children still going to teach them the "green cross code"? Or just tell them they don't need it now and hand over thier personal safety be controlled by a complete stranger who may or may not be driving while: texting, face-timing, watching **** (seen that), doing thier work report last minute before a meeting, on drugs of varying types, flat out stoned (going by the stink of marijuana everywhere), drunk or otherwise intoxicated, doing thier makeup, brushing thier hair, arguing with the children / spouse / lover, reading a map (still happens), reading a book (seen that too), masturbating or receiving fellatio, driving an unfit vehicle who's wheel may fall off at any moment, or brakes fail, or accelerator get stuck or... o...r or... or any 1 of literally THOUSANDS of other ways for a person to be killed or severly injured by a vehicle.

For all of you who are bleating on about "it's all on the driver", answer the above question please, if you can, without sounding like a hypocrite.
Pretty sensible to teach the highway code to all and sundry. Nobody has suggested otherwise. You are whipping yourself into a frenzy about nothing
I'm reminded recently of something that happened recently in the USA, I've just spent 6 weeks there and I was at a rather posh retreat in the Catskill mountains for a couple of days (Mohonk Mountain Resort for the curious, highly recommended), that has miles and miles of trekking; they had closed off almost all the routes for walkers because "there is some ice" and when I say "some" I really mean "almost none", but the highly litigious nature of the USA is such that rather than simply give an advisory and allow people to make thier own decisions on thier walking ability and expect them to have a few braincells to do this with, instead 90% of the trails, had been closed.

Being English however, my brother, his wife and I said "pineapples" and walked them anyway as we were paying guests and that's what we were there for; the trails were fine, even with a 4.5 year old child, no-one slipped, not even once.

"Personal responsibility" people, either we use and ENFORCE the concept or soon we won't be able to buy sharp implements "in case you cut yourself or someone else" and it's all dogsh*t and downhill for everyone from then on.
Safety measures are often about protecting people like you, from yourselves. Mountain areas in winter can change from picture postcard to death trap very quickly. You can even find a route impossible to retreat due to black ice etc. You get it on roads too with black ice or wet snow, when vehicles can't stop at all. I've seen cars accelerate from near zero, down only a shallow slope, with all 4 wheels locked, until they run into something, hopefully the kerb. Worse case would be running into you and your family "boldly going" in a state of total ignorance
 
My name is Sandy. I am addicted to cycling and hopefully will be for a few years yet! :ROFLMAO: :ROFLMAO:

I'm also a car driver and I tow a trailer at times. worst of all types really. Pedestrians, bicycles, electric bikes, electric scooters, cars and lorries do not mix well on the same carriageway however we are stuck with it. We just have to tolerate each others bad habits until technology can come to the rescue.
Good road users don't need rules to take care of others, it is just very basic common sense and rules will never make bad road users good.
 
In that case there should be a 5mph limit or maybe a complete banHmm, yes in your case! :ROFLMAO: Pretty sensible to teach the highway code to all and sundry. Nobody has suggested otherwise. You are whipping yourself into a frenzy about nothingSafety measures are often about protecting people like you, from yourselves. Mountain areas in winter can change from picture postcard to death trap very quickly. You can even find a route impossible to retreat due to black ice etc. You get it on roads too with black ice or wet snow, when vehicles can't stop at all. I've seen cars accelerate from near zero, down only a shallow slope, with all 4 wheels locked, until they run into something, hopefully the kerb. Worse case would be running into you and your family "boldly going" in a state of total ignorance

My bold.

What point are you trying to make Jacob? Are you saying I'm a dangerous driver or that I'm one of the morons stepping out into traffic? (without any evidence of either, as usual)

I'm neither. I've never been a phone zombie EVER, and I do mean EVER; not even in the last 6 weeks in the USA using the google maps, I check the map make mental notes then put the phone AWAY; I also don't walk with headphones / earbuds and music when walking / jogging skipping or any other form of ambulation while next to a road. When driving I don't do anything other than drive, no phone calls, even hands free, if I have a passenger I don't look at them while talking or any other activity to distract me - having been involved in a near fatal RTA in '97 which left me hospitalised for three months, almost cost me my sight and use of both my legs and both hands, I am, not surprisingly, an EXTREMELY careful driver who would put most other drivers to shame (no fault on the RTA btw). I also took advanced driving courses, mainly to help me drive again after 20 years of not driving after the RTA, because the knowledge of just how bad many other drivers are instilled a fear in me of driving on the road that was VERY hard to overcome. How many other drivers can also say they have taken advanced courses to increase their skillset, knowledge and overall road use awareness? Not many, statistically close to zero, and it's an easy assumption that that also includes you and everyone you know or have ever met.

Of all the people to make your above assumptions about Jacob, you are wide of the mark by many many leagues, I suggest you look elsewhere for your sport - I dare say if questioned one or more inside your own family or social circle would admit to dangerous driving / without due care / driving while distracted AND having been a phone zombie while walking AND possible listening to music at the same time.
 
My bold.

What point are you trying to make Jacob? Are you saying I'm a dangerous driver.......
You said it yourself:
"it's simply not possible to pay heed to EVERY.SINGLE.PEDESTRIAN. who may step out in front of you without driving at 5 miles an hour."
Hmm, maybe time you handed in your keys? Hope that helps.
 
You said it yourself:
"it's simply not possible to pay heed to EVERY.SINGLE.PEDESTRIAN. who may step out in front of you without driving at 5 miles an hour."
Hmm, maybe time you handed in your keys? Hope that helps.
Good grief Jacob - Even for you that is incredibly crass.
 
Good grief Jacob - Even for you that is incredibly crass.
Really? Why? He says he finds it extremely difficult to drive safely where there are pedestrians. Maybe he should either pack it in or just stick to motorways. Have I missed something?
 
get real Jacob. Rafezetter makes a good point. Pedestrians HAVE to take responsibility for their own actions, if they step out into the road without looking then that is just tough
 
Jacob's main aim is to be controversial, regardless of subject. Half of what he posts he doesn't believe but it creates controversy and stirs things up, it's all just an online game to him. He couldn't care less about other people.
He's followed the same format for years, the mans a wally. Just stop feeding him.
Personally I urge everyone to ignore his posts and respond to posts not trying to be controversial.
Apologies if it's blunt but I'm beyond caring, he just ruins threads on purpose. He gets a kick out of it.
 

Latest posts

Back
Top