A helping hand when you need it most

Up to £25,000 in financial support and life cover

  • Included with Gold membership
  • Lump sum payments of up to £25,000
  • Cover for overnight hospital stays
  • Life cover of £10,000

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Personal accident insurance - how does it work?

Life can sometimes take a sudden turn, so it's comforting to know that financial support is available if a cycling accident leaves you hospitalised or permanently injured.

Personal accident insurance - learn more

Who is it available to?

Race Gold Members only.

What is Personal accident insurance?

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. 

Loss of earnings and medical expenses are not covered under this policy.

Who is covered?

Cover is for Race Gold members only and includes 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(1).

The following organisations promote competitive events under rules and regulations (including Event Safety Guidelines) that are acceptable to British Cycling(1). 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.


  • Hospital cash benefit:
    • £25 for each overnight stay up to a maximum £750 (additional £250 payable for 7 consecutive overnight stays). Maximum benefit payable is £1,000
  • Permanent disability benefits:
    • Loss of two or more limbs / loss of both eyes: £25,000
    • Loss of one Limb / Eye or permanent loss of speech/hearing: £25,000
    • Permanent Total Disablement: £25,000
    • Maximum benefit payable is £25,000
  • Death benefit:
    • Death: £10,000

Who and what is not covered?

  • Persons under the age of 5 and over the age of 79.
  • Temporary or partial disablement.
  • Specific cycling activities: monocycling.
  • Occupational cycling and where the bike is a tool of trade (this exclusion does not apply to professional cyclists)


  • Must be normally resident in the UK, Channel Islands or Isle of Man(2).
  • Permanent total disablement is defined as “disablement which entirely prevents the insured person from engaging in any and every occupation for which the person is fitted by way of training, education or experience” for those aged between 16 and 74. For those aged under 16 years and those aged 75 to 79 years at the date of the incident, disability is defined as “any and every” occupation.
  • Must be riding or wheeling a bike.
  • Includes the use of dernys and electrically assisted pedal cycles which are not required to be registered for road use under current legislation.
  • Benefits limited to £1,000 for Death and £2,500 for permanent disability benefits for members aged 75-79 years.
  • Geographical limit - worldwide subject to a maximum of 21 days per trip outside the UK(2).
  • All claims to be reported as soon as reasonably possible and in any event within 28 working days.

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 individual members’ third party liability insurance cover is still provided to all Race Gold, Race Silver and Ride members without age restriction.

(1)  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 Membership Services on 0161 274 2010.

(2) Please note that members of HM Armed Forces are covered whilst stationed abroad.