Daily Archives:July 21, 2017

Nationwide travel insurance bans cyclists without helmets

21 Jul 17
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  • Nationwide Building Society says bike riders without helmets won’t be covered
  • Angry consumers take to Twitter to voice their concerns over the rule change 
  • Cycling UK says the move is clearly ‘not an evidence based change’
  • The building society has made a raft of changes to the Flex Plus account
  • The new rule will apply to anyone with a trip booked on or after September 21 

Nationwide has sparked a travel insurance row after changing its policy to mean that those riding bikes while on holiday will only be covered if they wear a helmet.

The building society’s move will apply to customers with the worldwide family travel policy, which comes free with the Nationwide FlexPlus account.

The change is being made on September 21 and will only affect trips booked on or after this date.

Nationwide travel insurance customers now have to wear a helmet when cycling abroad

Nationwide travel insurance customers now have to wear a helmet when cycling abroad

The building society is making a number of changes to the travel insurance policy from the end of September, which have been sent out to customers and are listed online.

Angry Nationwide customers took to social media to complain about the change, with some using the building society’s @AskNationwide Twitter account to take it to task. Other Twitter users supported it, however.

Meanwhile, a cycling expert said that Nationwide appeared to have made the change without evidence to back it up as safer – and pointed out that in some countries, such as the Netherlands, helmets weren’t widely worn and that this also covered cycling on forest tracks.

Several people took to Twitter to voice their anger and concerns around the helmet change:   

Roger Geffen, policy director at CyclingUK, said: ‘This is clearly not an evidence- based change. It is far from clear if helmets provide a benefit for safety when cycling, in some cases they can help and in others they can be counterproductive.

‘In certain countries such as the Netherlands, wearing a helmet is completely unheard of. The message that helmets must be worn is out of kilter with reality as it assumes cycling is a dangerous thing to do.

‘By enforcing this rule it will also put people off cycling and the health benefits of getting on a bike are far greater than the safety a helmet provides.’  

Policy wording: The change will apply to anyone with a trip booked on or after September 21

Policy wording: The change will apply to anyone with a trip booked on or after September 21

A spokesperson for Nationwide said: ‘The change made to the policy concerning the wearing of bicycle helmets while cycling is intended to provide greater clarity regarding the ‘reasonable care’ we expect our customers to take while on holiday. 

‘This change is intended to help to protect our members’ welfare.

‘Whilst we accept an individual’s choice to wear a helmet or not, there is an increased risk of head injury for those people who choose not to wear a helmet. 

‘As an insurer, we feel the requirement to wear a helmet when cycling is a responsible approach to encourage safe cycling for our members. The change in wording applies only in cases where an injury resulting from riding a bike would have been avoided or minimised through the wearing of a helmet.’

Cycling UK says the decision to insist  helmets are worn is 'clearly not an evidence based'

Cycling UK says the decision to insist helmets are worn is ‘clearly not an evidence based’

We asked some of the other major insurers what their policies were when it comes to helmets.

LV told us: ‘LV travel policies cover various forms of cycling; whilst we expect customers to take sensible precautions to protect themselves, we do not insist customers wear a helmet, other than for mountain biking.’

Avivia had a similar rule: ‘For Aviva Travel insurance policy holders we assess each claim (including those who do not wear a helmet when cycling) on its own merits. 

‘We wouldn’t decline a claim simply because the customer had not worn a helmet whilst on a bicycle. Rather, we’d assess whether or not the customers had taken all reasonable precautions to protect themselves and prevent accident and injury.’ 

While Tom Bishop, head of Direct Line travel insurance, said: ‘Although we do not enforce the use of helmets for holidaymakers when cycling abroad, the safety of our customers is important to us, which is why we strongly encourage the use of helmets.’ 

The worldwide insurance policy from Nationwide is a family policy and it includes adults up to the age of 74. Winter sports and businesses trips are included and all family members at the same address are covered.

From September it will also cover those aged under 19 (or 22 if they’re in full-time education) if they’re travelling on their own and not with their parents or guardians.

Nationwide also announced this week that it was increasing the fee on its Flex Plus account by £36 a year.

Customers currently pay £10 a month for perks including mobile phone insurance, travel cover and car breakdown assistance but from September 21st this will rise to £13 a month.

The free overdraft is being increased, from £100 to £250, customers will be able to claim on the mobile phone insurance four times a year instead of two and the extended warranty and special helpline for those who lose their cards or fall victim to identify theft is being scrapped.


For current account rewards and interest conditions may apply eg. using provider’s full switching service, min deposits and direct debits. For savings, access maybe limited, min/max deposits may apply. See T&Cs.
Representative example: If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable). *price increases to £59.50 after 18 months ** Not FSCS protected


Courtesy: Daily Mail Online

As Conservative Party deputy leader, Lisa Raitt hopes women will ‘see themselves’

21 Jul 17
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Conservative MP Lisa Raitt considers herself a feminist. The leader of the Conservative Party, a mother with private – and public-sector expertise of two, says she has been concerned with women being treated equally and fairly on the job.

But unlike Prime Minister Justin Trudeau, do not expect her to broadcast it broadly.

“I am not going to run around saying ‘I am your feminist deputy leader.’ I am a feminist. I have lived it all of my life,” Ms. Raitt, 49, said this week during an interview at a downtown Ottawa coffee shop.

“I do not think it’s about me. I believe it’s about our policies”

Ms. Raitt, who ran unsuccessfully for her party’s leadership, was appointed deputy leader this week. She’s currently the MP at the caucus of Leader Andrew Scheer — and the only one of his competitors to earn a place on his group. Born in Cape Breton but representing the Toronto-area of Milton because 2008, Ms. Raitt will behave as Mr. Scheer’s lieutenant in Ontario and the all-important Greater Toronto Area, as well as Atlantic Canada, where the Conservatives were wiped out in the 2015 election.

But perhaps most significant, Ms. Raitt will help to serve as her party’s conduit to women — both in encouraging qualified women to run for office and expanding the Conservative base to include more people like her. “I am hoping what girls see is they can see themselves in me, and the understanding that I understand what they are going through,” she said.

The Toronto Port Authority’s chief executive, who composed the first policy of the port, used her campaign.

“My fiscal agent was a girl, my campaign manager was a girl. Anyone write a story about that? No. You know why? Because I did not lead with this. Trudeau could have contributed with it, since he is all about symbolism,” she said.

A practising Catholic, Ms. Raitt said she stands with the “status quo” on abortion, even though she’s personally against it.

“I am not going to avoid another girl from making that decision. And I do believe it is her decision to make,” she said. “As a concept, do I like abortion? No. And the reason is that I believe that life begins at conception. That is exactly what I was taught, that I was brought up. I still feel that.”

Ms. Raitt has been rewarded on Mr. Scheer’s team not because of her results, but for her possible. Despite her diverse ministerial experience and strong communications skills, Ms. Raitt finished eighth in the leadership race, with just 3.74 percent of the vote. The result is attributed by her of a entrance in the difficultly and race fundraising at the very same areas as Erin O’Toole and Ontario leadership contenders Kellie Leitch.

“I wish I could have raised more money,” she admits. Although she said she is continuing her language course three times a week she struggled with French.

However, she and Mr. Scheer shared a bond on the campaign trail that lasted after the ballots were cast. “I admire him. He knows that we will need to cultivate our base, and he sees I will help. And he also knows that I’m loyal,” she said.

Part of her role, also, are to assist Mr. Scheer with caucus management after what was, occasionally, a heated leadership race. “Some people went after each other. And our job is to bring everyone together. He, to me, was more unifying than anyone else,” she said.

Specifically, some members of Maxime Bernier’s camp throw doubt on Mr. Scheer’s razor-thin victory over the Quebec MP. Ms. Raitt said Mr. Bernier has since vowed to become a team player, though it is not clear what role he’ll play.

“If it had been weighed in how well people did at the direction, I would not be sitting as deputy leader,” she said. “What Andrew watched was that I did connect with folks. And that is valuable.”

Ms. Raitt is also facing a special situation in the home: Her husband, Bruce Wood, was diagnosed last June with early onset Alzheimer’s. Mr. Wood’s condition has remained steady since last year, she said, but admits they are entering a “grey area.”

“Things are still working and I am not exhausted. However, every caregiver will tell you that a route is that you follow, and at some point in time I will need support. And I am not ashamed to say I will need support,” she said.

Above all , Ms. Raitt said she appreciates her party for allowing individuals to express themselves openly. By way of instance, she’s walked in gay pride parades, while Mr. Scheer has indicated he won’t participate because they have become too politicized.

“If I had been the leader at the moment, and someone said they wanted to go on a pro-life march, I would not tell them to not go,” she said.

“You have to have the ability to exercise what you believe is the truth. But in that House of Commons, unless it is a free vote, you are going to be voting .”

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