Damage to Property: Insurance
Limit damage to your wallet by carrying insurance. I live in a town where wildly expensive cars are not uncommon. Even scraping one could result in being handed a repair bill for thousands of pounds.
British Cycling– which sponsors British Cyclists in the Olympics- offer third-party liability insurance with membership. I emailed them and verified that Penny-Farthings were NOT excluded. And since it’s Group Cover, cover is automatic without any questions about your cycling history.
I carry my British Cycling membership card so if I’m involved in an accident I can give the other party my membership number in respect to exchanging insurance details.
To gain insurance coverage through membership in British Cycling, click HERE.
Damage to Self: Training & Protective Equipment
Like any sport, the chance of injury from cyclist-error is high while learning and drops significantly as the rider gains competence. Reducing operator error is covered in the “Learning” section. Indeed, one never stops learning to ride a Penny-Farthing it’s been said 😉
However, risk from external sources remains constant over time and is independent of a Penny-Farthing rider’s technical competence which is covered in this section under the below headings:
– Risk Avoidance: Reducing Hazards BEFORE departing and Defensive Cycling DURING cycling
– Damage Limitation: Reduction of injury where risk avoidance impossible; use of protective equip & falling
Staying safe riding a Penny-Farthing- indeed any bicycle– requires active efforts; one can never be lazy about safety. This section will hopefully get you thinking about risk in a useful way and making it easy to make Risk Management planning as much a part of your cycle as your actual performance during a cycle.
Government Reports on Cycling Fatalities
These type of reports may not encourage road cycling, but they do inform your thinking about how people get killed cycling and how you can plan to reduce your risk profile. For instance it breaks down deaths into times of the day & road types which can help you with route planning