Personal Accident Insurance
Personal Accident insurance cover is provided for all Gold members aged between 5 and 75 years. This is an additional form of insurance cover providing death, permanent disability and hospital benefits.
Gold members are covered for non-competitive, social, leisure and utility cycling and also competitive cycling in events held under the auspices of British Cycling. Gold members are also covered 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.)
Silver & Bronze members do not benefit from personal accident insurance.
Benefits:
- 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 - £7,500 (£5,000 for under 16 and 71-75 years old)
- Hospital cash benefit - £25 for each complete 24 hour period up to a maximum £750.
Conditions:
- Permanent disability defined as "any and every" occupation
- Includes use of power cycles (not registered for road use) or dernys
- Excludes:
- professional cycling
- occupational use, tool of trade
- temporary or partial disablement - Age limit: 5 to 75 year olds
- Benefits limited to £5,000 max. for members aged 71-75 yrs
- Geographical limit - worldwide subject to a maximum of 21-days outside UK
- All claims to be reported within 5 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 75 years and under 5 years, it is very important to remember that members' liability insurance cover is still provided to ALL Gold and Silver members without age restriction.