Personal Accident Insurance
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Personal Accident insurance cover is provided for all Race Gold members aged between 5 and 79 years of age. This is an additional form of insurance cover that provides cash payments if you are hospitalised overnight. Lump sum payments are also provided for death and permanent disability but loss of earnings and medical expenses are not covered under this policy.
Race Gold members are covered for non-competitive, social, leisure and utility cycling and competitive cycling 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.
Cover includes direct travel to and from any venue for the purposes of participating in an approved event.
Race Silver, Race Bronze and Ride members do not benefit from this insurance cover.
Benefits:
- Hospital cash benefit - £25 for each overnight stay up to a maximum £750 (additional £250 payable for 7 consecutive overnight stays)
- Permanent Disability: £50,000
- Total and irrecoverable loss of sight of one or both eyes: £50,000
- Loss of one or both limbs: £50,000
- Total and permanent loss of hearing in one ear: £12,500
- Total and permanent loss of hearing in both ears: £50,000
- Total and permanent loss of speech: £50,000
- Death: £10,000 (limited to £5,000 for under 16s, under 18s in full time education and 71-79 years old)
Conditions:
- Permanent Disability is defined as “shall mean disablement which entirely prevents the insured person from engaging in any and every occupation” for persons aged under 75yrs. For persons aged 75-79 disability is defined as “any and every” occupation and must be in gainful employment at the date of the accident. There is no cover for Permanent Total Disablement for those aged 75 yrs or over who are retired.
- Includes the use of power cycles (not registered for road use) or dernys
- Excludes:
- professional cycling
- monocycling
- occupational use, tool of trade
- temporary or partial disablement
- Age limit: 5 to 79 years
- Benefits limited to £5,000 max. for members under the age of 16 and aged 71-79 years
- Geographical limit - worldwide subject to a maximum of 21 days per trip outside the UK
- All claims to be reported within 28 working days and independent evidence required that the cycle has been involved in an accident
Whilst we are unable to provide this additional cover to members aged over 79 years and under 5 years, it is very important to remember that the essential members’ liability insurance cover is still provided to all Race Gold, Race Silver and Ride members without age restriction.
