Insurance....boring but necessary?

[virek]

Looking at my membership application form I notice that I need insurance to join the club.

Can someone give me a little run down of what I need to get and an idea of any costs over and above my normal "brown bread" insurance covering mortgage, funeral (party?) etc.?

Matthew

[richv]

If you join British Cycling at the "Silver" level (I know) or CTC (I think) you get third party insurance cover for you whilst you are on your bike (or pushing it). Therefore if you cause an accident (hopefully not) you are insured.

I think the CTC is cheaper than joining BC which costs £32 but if you are going to do any racing then you will probably want to join BC to avoid paying the extortionate day licence fees (although you would also need to purchase a full racing licence if you were going to race on open road circuits).

[monty]

British Cycling ins


May I takes this opportunity to remind you of the importance of maintaining third party liability insurance cover, whilst riding your bike at ANY time.

Both ?Silver? and ?Gold? membership provide Legal Claims Support & Advice and Third Party (Public) Liability Insurance with an indemnity limit of £5,000,000 for accidents in the UK and Europe? so if you?re involved in a cycling accident, whether you think it is your fault or not, one call to our members? Accident Helpline will provide the support and benefits you need ? and most importantly there?ll be no legal or insurance fees to worry about. One in 25 of our members has been involved in a cycling accident and needed legal help, with our legal team recovering millions in compensation for those not at fault in accidents. Essential support and advice for just £50 a year.


?Gold? membership in addition offers Personal Accident Insurance cover whilst riding your bike in the UK, at any time, and for families our special family package (2 adults + any number of children under 18) offers insurance and legal support for the whole family. Whilst the cost of providing insurance cover to our members has increased substantially this year, there is only a small increase to fees for our younger members under 16 years of age.



Click Here for more information or to download a membership form or alternatively mailto:lisaharrison@britishcycling.org.uk and request a membership pack (please state if Senior or Under 18 pack required).



Should you require any further information, please do not hesitate to contact me.



Regards



Lisa Harrison

British Cycling

National Cycling Centre

Stuart Street

Manchester

M11 4DQ

Tel 0161 274 2014

Fax 0161 274 2019

e-mail lisaharrison@britishcycling.org.uk.

http://www.britishcycling.org.uk.

[monty]

Insurance cover for Cycling
If you?re one of those lucky people whose employer would continue to pay you if you fell off your bike and sustained an injury which caused you to have time off work, then you could fool yourself into thinking that cycling insurance was just another unnecessary expense.
However, if you were the cause of an accident in which a third party sustained a serious injury and that party decided to sue you for compensation, what then?
Accidents do happen while cycling. Whatever discipline of the sport you are involved in, Racing, Time-Trialing, Leisure (Club run), Off-Road, Cyclo+, Downhill, Track etc. there is always the risk of an accident.
With the arrival of the ?NO WIN, NO FEE? service, claimants have nothing to loose and everything to gain. And in recent times, ?Personal Injury? claims have tended towards larger and larger settlements.
For all of these reasons, the Addiscombe CC requires all of its riders to have ?3rd Party Liability Insurance? as a condition of membership.

Club members use either:
1. C.T.C. (Cyclists Touring Club) or
2. BC (British Cycling).

A summary of the cover offered by each is as follows:

1. C.T.C. 3rd Party Liability Insurance
This is the basic cover and the one that the majority of club members choose. It includes 3rd Party Liability cover for all leisure riding plus Time-Trial competitions.
NB it does not cover racing.
The premium is just £10 pa, and runs from 1st October each year and can be obtained by sending a cheque, made payable to ?C T C?? to the Insurance Secretary (that?s me), at the above address.
The premium may be reduced for those purchasing part way through the year.

2. BC Insurance
This cover is required for all competitive riding, other than Time Trialing and will normally require the rider to purchase a BC Racing Licence.
There are three levels of cover and also different rates depending on whether you choose single or family membership.

Bronze: Not normally used by club members (cheaper to use CTC).
Silver: Provisional racing licence
3rd Party Liability Insurance
Legal support & Advice
Eligibility for a full racing licence
Cost: senior £32.00pa. Family £75.00pa (2 adults plus all under 18s)
Gold: All of the above plus:
Personal Accident Cover
Quarterly Racing Calendar
Cost: senior £50.00pa. Family £110.00pa (2 adults plus all under 18s)
You will need to add £30.00 to both of the above for a full racing licence (runs 1st Jan / 31st Dec)
If you decide on BC Gold or Silver, you can order online at http://www.bcf.uk.com. Please remember to include the clubs name on your form.

NB BC will issue these documents to you via the club (me in this case).

If I can provide any other help or information, please get back to me.

Agreeable Denis Gillen
Insurance Co-ordinator
mrdpg@blueyonder.co.uk

[Elliot M]

Who else can deal with insurance? I have had no response from Denis.

[Will]

What about LCC?

As a member, you get [url=http://www.lcc.org.uk/index.asp?PageID=40]free third-party insurance[/url]. Is that considered sufficient?

[monty]

My understanding is as long as its an approved cycling organisation it should be OK but you need to check with Denis & show him your documents.

These include:
BCF
CTC
BTA
LCC

[AodanH]

From what I remember .....

Racing licence is only required for regular racing at Cat 3 or above for people interested in accumulating pints etc. BCF silver or gold includes provisional licence for "dabbling" in Cat 3/4 races.

Is this correct ?

[Will]

[quote]people interested in accumulating pints

[AodanH]

people interested in accumulating pints

That must have been my Irish accent transferring to the keyboard. Sounds like a good idea though.