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Insurance

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It is important that Club members understand the limits of the insurance cover provided by the Club. The information below is intended to help members make an informed decision as to what additional insurance they might want to purchase.

Club Insurance

NC&TC (the "Club") is insured via British Cycling, Cycling UK and Cycling Time Trials for its normal cycling activities.

Club Officers and Officials are also insured when acting on the Club's specific instructions.

The Club also benefits from the cover provided by Cycling UK & British Cycling's Professional Indemnity Insurance.

It is important to understand that the Club's Liability Insurance does not cover claims made against individual members.

No cover is provided by Club insurance should your bike be accidentally damaged or stolen. A separate insurance policy MAY provide this cover, but usually they require the bike to be secured using an approved lock.

 Individual Insurance

Club Rides (including “chaingang”) - everyone participating in a group ride or chaingang, irrespective of whether they consider another to be the ride guide or leader, is responsible for their own actions. It is important to note that a club ride is not considered to be a formally led or coached activity. Therefore, our Club ride leaders are not qualified to lead and routes are not risk assessed.

Time Trials - are run for and on behalf of Cycling Time Trials. Although the Club is insured to organise and manage these events, only limited cover is provided to individuals (competitors injuring other competitors or officials during an event).

As a result, we strongly recommend participants in group rides and competitors in time trials obtain third party liability insurance either through: a national cycling organisation such as British Cycling or Cycling UK; a commercial source such as an endorsement to household insurance; or a separate bike insurance policy.

Insurance Providers

The legal and insurance benefits provided by Cycling UK memberships are here & British Cycling memberships are here. Be aware of the different levels of cover provided by each body. For example, BC Bronze membership does not include insurance and Ride membership does not provide insurance when competing in a time trial.

Other insurance providers are also available, and you are advised to shop around. There are various online reviews of different policy providers. You may also be able to obtain cover through your household insurance cover.

This article provides a real-world example of why cycling insurance is sensible to have.

Questions and Answers ("Q&As")

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