I haven't been around on sfn for a few weeks, firstly due to a trip to the UK which was great as we hadn't been for a couple of years and as the kids are a couple of years older the whole english language thing suddenly made a bit of sense and for the first time my 5 year old started trying to speak a little English to communicate with her cousins etc. Her little brother then followed.
So why am I talking about mutuelle? Well, if you're still one of those who thinks that accidents always happen to others read on. the day after getting back from the UK, off I went for the usual saturday afternoon training ride with my mates. 100km in, we decided to take a technical descent nice and slowely for a change (thankfully) but rounding a pretty tight bend I was faced with a citroën ax on my side of the road,the next thing I remember was waking up lying on my back in the middle of the road, another rider on the road next to me and the others around us telling us not to move. Instinct meant I managed to avoid the car but changing trajectory in a tight corner at 40 kmh means the bike and rider just can't stay upright! the result: 3 broken ribs, broken shoulder blade, vertabrae, road rash everywhere, lung slightly unstuck, leg badly twisted but nothing broken etc. etc.
Seeing as I had to have x-rays then a full back scans etc, several days in hospital, nurse to the house every two days to see to the bandages etc. it means that the final bill is going to run into the thousands of €. Yes I have a mutuelle and as I'm a have a licence at my cycling club we're insured via our federation too so it shouldn't cost me a penny. Now if I had to pay everything or even the 30% the state don't pay that'd be a different story :-O
I hate paying out the hundreds/thousands of pounds a year for all the various insurances, there have also been threads here saying they're not worth it, well sometimes they really are, I speak from experience!