It’s a fact, accidents do happen. The club has a great safety record, but there have been at least 3 accidents that would have been even more painful for those involved if they had not had adequate insurance cover.
Are You Covered?
Cyclists are not required by law to have insurance because ‘push’ bikes are not motor-powered vehicles (the rules are slightly different for e-bikes), however that doesn’t mean that cyclists are immune from liability in the event of an accident.
A quick search online will quickly show that if a liability is found against a cyclist, then without adequate insurance, the cyclist themselves would be liable. That exposes anyone cycling on public roads without adequate cover to potentially ruinous claims, such as in this well publicised case (2019).
It’s a common mis-conception that members of a British Cycling Affiliated club don’t need to worry about insurance, at least on official club rides. However the club insurance primarily covers the club and officials in the event of a third party claim, although it also extends cover to prospective members participating in rides prior to joining the club.
In fact, individual Club Members (as opposed to club officials) are not covered under the club insurance unless they are themselves Ride, Race Silver or Race Gold members of British Cycling with personal liability insurance cover.
For these reasons and to protect everyone riding with the club, it is now a condition of membership that everyone has individual insurance cover, equivalent to that provided under British Cycling Ride membership, at a minimum.
On joining or renewing their membership, everyone will need to declare that they are covered through individual membership of British Cycling (by providing the membership number) or to provide evidence of adequate insurance cover, if they prefer to make their own arrangements.
The membership joining / renewal forms have been updated to reflect the above, but if anyone has any questions on this topic then please ask.