Liability insurance for Ride members at fault

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Third Party (Public) Liability Insurance is provided by British Cycling's insurers to ‘Ride' members who are normally resident in the United Kingdom and find themselves wholly or partly responsible for an incident whilst riding or wheeling their cycle.

If you are involved in an incident that was (or is alleged to have been) your fault or partly your fault your insurance cover indemnifies you in respect of a successful third party claim made against you to a limit of £10 million and you will not be liable for the payment of any insurance ‘excess'.

This essential member insurance covers noncompetitive, social, leisure and utility cycling but does not cover competitive cycling. (Competitive cycling is defined as any cycling activity that involves a race or time trial for which results are published in order of finishing time or position).

By joining British Cycling as a ‘Ride' member you will benefit from liability insurance arranged on a ‘primary specific' basis - which means that a claim will not be referred to any other insurance policy that you may have.*

*Members travelling to the USA or Canada must have appropriate travel insurance

It is important to note that the insurance covers your legal liability and legal costs and expenses in the event of negligence only and does not cover deliberate acts. Exclusions include business use and the following ‘member to member' claims:

• Any liability directly or indirectly caused to a member's immediate family arising from any covered cycling activity.
• Claims against members who are not resident in Great Britain, Northern Ireland, the Isle of Man, or the Channel Islands.