Membership Insurance - Frequently Asked Questions
Is Cyclosport.org membership insurance for me?
Our membership has been designed for cyclists who regularly ride cyclosportives in the UK, train and commute to work. It also offers benefits that other national cycling organisations membership insurance doesn't nescessarily offer, including participant to participant cover.
Cyclosport.org believes that the insurance provided meets the needs of the majority of Cyclosport members. We recommend that you purchase our membership insurance and carefully consider that cover and conditions meet your needs.
You will have the peace of mind of insurance protection, whether you cycle to work, training and all your Sportives.
The FAQ below should answer some common questions regarding our membership insurance.
We have not assessed your individual needs for insurance, you can ask us questions on application.
What types of cycling will Cyclosport.org membership insurance cover me for?
All types of road cycling including non-competitive, social, leisure and utility cycling which includes cyclosportives, audaxes, reliability rides, club runs, organised rides, commuting and training on public roads as a non-professional - worldwide.
You are insured while you are using your cycle for private and professional purposes, including business cycling. You will not be insured if you are specifically employed as a cyclist e.g. as a
cyclist-messenger or a carrier cyclist.
What to do if you have an accident?
If you are involved in an incident which you think may lead to a claim being made against you, telephone the incident helpline on 0845 210 6405. The Personal Liability benefit will cover the cost of any claim if your at fault. They will send you a claim form to complete. Fill in the form with as much information as possible and send it together with any supporting information, including any correspondence from any third parties.
I was out training for my next event and was knocked off my bike by a car that turned in front of me at a junction?
You should report the accident immediately to the incident helpline on 0845 210 6405. The Legal Expenses and Advice benefit will then take care of the pursuit of a claim from the third party. You will also be covered for any Loss of Earnings, Medical Consultancy Fees, Dental Fees, Inconvienience and parent/dependant child inconvienience fees too, as a result of any injuries you might sustain click here for a full breakdown of the benefits.
I was participating in a Cyclosportive and caused an accident in a group and another cyclist suffered injuries and damage to his bike.
You should report the accident immediately to the incident helpline on 0845 210 6405 and pass on any claim to them and/or any injuries or damage suffered by yourself. The personal liability and legal expenses cover will handle any claim(s). Our insurance includes participant to participant cover.
I hit a raised drain cover while out training. I'm not injured but my bike and kit is damaged. What should I do?
You should report the accident immediately to the incident helpline on 0845 210 6405.
The Legal Expenses and Advice benefit will explore the possibility of making a claim against the local Highway Authority who have a duty to maintain the public highway or the utility provider responsible for the drain cover.
It is important to be aware that Highway Authorities have a statutory defence available to them if they can prove that they have taken all reasonable steps to maintain the highway to the standard necessary to accommodate the ordinary traffic that passes along it.
Photographic evidence of the defect is crucial, as it is common for defects to be repaired once an incident has been reported to the local authority, leaving no evidence of the defect should liability be disputed by the Local Authority. In addition, where possible, measurements (depth/height, width and length) of the pothole or defect in the highway should be obtained.
Do I need to wear a cycling helmet to be insured?
No - but Cyclosport.org recommends that ALL cyclists to wear a suitable helmet whilst riding their bike at any time. Whilst there is no legal requirement to wear a helmet, if you suffer a head injury as a result of the incident the third party insurer could argue that your compensation should be reduced if you were not wearing a helmet. They are likely to argue for a 25% reduction but this is a matter to be decided by medical evidence.
A growing number of Cyclosportives events require helmets to be worn at all times as part of the entry requirement to participate. No Helmet - No Ride!
It's a no brainer to protect your brain!
We offer Gold, Silver and Bronze cover, for a little as £26 a year.