Personal Accident Insurance

Personal Accident insurance cover is provided for all British Cycling Premium Members aged between 5 and 80 years of age*

The policy provides lump sum benefits if you are involved in a cycling accident. An accident is a sudden and unexpected or unforeseen specific event which occurs at an identifiable time and place.

*Existing Race Gold members also have the benefit of this cover until the end of your current membership.

The policy provides cover for non-competitive, social, leisure and utility cycling, including commuting and club rides, and also competitive cycling when participating in events held under the auspices of British Cycling.

Cover is also provided whilst participating in competitive events held under the auspices of other cycling organisations whose rules and regulations (including Event Safety Guidelines) are acceptable to British Cycling*.

The following organisations promote competitive events under rules and regulations (including Event Safety Guidelines) that are acceptable to British Cycling*. Please note that cover is only provided in respect of cycling disciplines, or variants thereof, which are formally endorsed and regulated by British Cycling:

• Scottish Cycling (Scottish Cyclists’ Union)

• Welsh Cycling (Welsh Cycling Union)

• Cycling Time Trials (CTT)

• BSCA (British Schools Cycling Association)

• BUCS (British Universities & Colleges Sport)

• UCI-affiliated National Governing Bodies

 Cover also includes direct travel to and from any venue for the purposes of participating in an approved event.

 *Members wishing to check whether an event is held under the auspices of British Cycling or other cycling organisations whose rules and regulations (including Event Safety Guidelines) are acceptable to British Cycling should contact our Membership team on 0161 274 2010.

• Persons under the age of 5 and over the age of 80.
• • Whilst we are unable to provide this additional cover to members aged over 80 years and under 5 years, it is very important to remember that the individual members’ third party liability insurance cover is still provided to members without age restriction.

• Occupational cycling and where the bike is a tool of trade (inclusive of professional cyclists where the individual is a full time paid professional cyclist).

• The insurance does not cover for;
  • illness or disease (not resulting from bodily injury caused by an accident)
  • any naturally occurring condition or degenerative process; or
  • any gradually operating process.

• The member must be normally resident in the UK, Channel Islands or Isle of Man*.
• Includes the use of dernys and electrically assisted pedal cycles which are not required to be registered for road use under current legislation. See https://www.gov.uk/electric-bike-rules for the government definition of an e-bike.
• Geographical limit - worldwide subject to a maximum of 30 days per trip outside the UK*.
• All claims to be reported as soon as reasonably possible and in any event within 90 days.

* Members of HM Armed Forces are however covered whilst temporarily stationed abroad.