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Insurance

The Club is affiliated to the BMC and Cycling UK in order to benefit from the civil liability insurance that they provide. This covers members for legal claims made against them for any civil liability arising from walking, climbing, mountaineering and cycling events. It is rather like third party car insurance, but for club events rather than driving!

The BMC and Cycling UK have slightly different approaches to affiliated clubs and affiliated members, so the BMC and Cycling UK affiliations are arranged as follows:

The Club is affiliated to the BMC and Cycling UK.
The Club enrols all members as Club Members of the BMC.
The Club enrols members who participate in club cycling events as individual Affiliated Members of Cycling UK.

The BMC insurance covers members for any legal claims made against them in connection with hill walking, climbing and mountaineering (whether or not as a club event), and also for some secondary activities.

Information about the BMC’s insurance cover can be found here. Club members are covered by the BMC’s Clubs policy but not by the BMC’s Individual members policy or personal accident cover.

Cycling UK insurance covers members for any legal claims made against them in connection with cycling events.

If you participate in club cycling events please notify the Club Secretary so that the Club can enrol you as an individual Affiliated Member of Cycling UK.

Information about Cycling UK’s insurance cover can be found here.

Neither policy covers personal injury or travel to and from events - any member wanting this sort of insurance should take out their own individual policy.

In the past the Club had its own civil liability insurance, but it has become increasingly difficult to obtain insurance and it is no longer practicable for the Club to arrange its own insurance cover.

Any club insurance queries should be directed to the Club Secretary.

Accident Reporting

Any accident on a club event should be reported to the committee. This applies to any accident involving injury or damage, even if no insurance claim would arise.

The following details are required for club accident records:

date and time of accident
full name of person involved
nature of injury
age
place where accident occurred
brief description of the circumstances
names and addresses of possible witnesses.

Insurance Notification

It is important that all incidents that may give rise to a claim are reported to the insurers as soon as possible after the event. For legal reasons incidents must be reported within the specified time limit.

The insurers should be notified immediately of any incident that involves:

a fatal accident
an injury involving either referral to or actual hospital treatment
any circumstances involving damage to third party property
any allegations of libel/slander or professional negligence
any investigation under any child protection legislation.

It is important not to admit liability or agree to pay for any damage caused as this could result in withdrawal of indemnity.

Event Organisers

If you organise a club event:

If the event is a cycling event, please notify the Events Co-ordinator of any new cyclists joining in so that the Club can enrol them as individual Affiliated Members of Cycling UK.
If the event is run using an Activity Centre, please ensure that the Activity Centre has its own civil liability insurance.
If the activity isn't covered by the BMC (walking, climbing and mountaineering) or Cycling UK (cycling), please contact the committee so that you understand the insurance implications.