Member Insurance Benefits
Third Party Insurance
If you are involved in an accident which is your fault and you are normally
resident in the United Kingdom, the Isle of Man or the Channel Islands, you are
protected by the British Cycling Federation (B.C.F.) Public Liability Policy.
This policy has an indemnity limit of £5,000,000 and the cover applies if you
are riding or wheeling your cycle anywhere in the world. Should you be involved
in an accident and you consider that you were at fault you should telephone the
B.C.F. Legal and insurance Helpline on 0500-525676. If possible, you should
have made a record of the time and place of the accident and details of the
other vehicle with regard to liability, just restrict yourself to advising that
the claim will be dealt with by the Insurers of the Federation. You can of
course advise them of the B.C.F. address and telephone number. You should
receive a Liability Claim Form in a couple of days after making your
application, and you will need to read the notes which accompany the form in
order to complete and return it to their office without delay. Claims under the
following circumstances are excluded: 1. Against a member of one's immediate
family. 2. One competitor against another in a cycle race or time trial. 3. One
member against another where they are taking part in race preparation or
training rides. 4. By a member who is not resident in the United Kingdom, the
Isle of Man or the Channel Islands.
Personal Accident
Insurance for Racing Licence Holders This new benefit covers members
participating in a cycling event organized by, or under the auspices of the
British Cycling Federation. Participants are also covered for the journeys
directly to and from the venue. £50,000 cover for:
> Permanent Total Disability
> Total and Irrecoverable Loss of Sight of one or both Eyes
> Loss of one or both Limbs
> Total and Permanent Loss of Hearing in both Ears
> Total and Permanent Loss of Speech
> £7,500 Death Benefit (£5,000 for U!16's)
> Hospital Cash Benefit of £25 for each complete 24h period up to a maximum
of £750
> Permanent Disability defined as any and every occupation
> Excludes Professional Cyclists, training rides and temporary or partial
disablement
> Age Limit 5 -70 yrs
> Gold membership offers above at all times while cycling
Legal Advice and Assistance
If you are involved in a car or cycle accident which is not your fault contact
the Legal and Insurance Helpline. The B.C.F. will take your details over the
telephone and begin acting for you straight away. As car accidents are now
included, for B.C.F. members there is no need to purchase Legal Expenses cover
as part of your motor insurance policy. This offers a significant saving almost
equivalent to the annual membership fee. The new service includes credit hire
and credit repair for both bicycles and motor vehicles in appropriate cases.
This means that you will be able to get back on the road very soon after your
accident. The service is open to B.C.F. members who are resident of the UK,
Isle of Man or the Channel Islands, and is free unless £75,000 or more is
recovered in compensation, in which case you may be asked for a contribution
towards legal costs. Competitive rates for Cycle, Sponsored events (reliability
trials etc.) and Comprehensive Travel Insurance (if you are travelling abroad)
can also be arranged.
Related
Join
Ballymena Road Club
Tips For Beginner
Cyclists
Bike/Kit Checks