Your protection for all Adult Individual, Concession & Household members.

It protects you against claims up to the value of £10 million made against you for injury, loss or damage you may have caused whilst cycling.

Membership of Cycling UK automatically provides cover so you will not get your own policy certificate.

Full details of the insurance are provided in the Guidance Note within your member account area which explains the coverage you benefit from as an individual member under the master policy held with the insurer.

If your bike has pedals and is mainly used as a conventional bicycle (unicycle, tricycle, quadracycles, tandem or triplet) and only has electric assistance then you would be covered.

Where the main source of propulsion is electrical, the cycle would not be covered as it would be classified as a motor vehicle and should therefore have Road Traffic Act insurance.

Yes, you are covered for commuting to work and you are also covered for cycling to and from business addresses, but not for work as a cyclist e.g. as a courier or professional racing cyclist.

Yes, provided they are not competitive in nature.

Yes

No

If the non-Cycling UK member has been ‘invited’ on the ride, which is an officially recognised Cycling UK event, and the number of ‘guest’ riders does not exceed five, then the ‘guest’ is insured as if they were a Cycling UK member for that ride, so you would be able to make a claim for any damage or injury caused to you.

Sportives are covered under the policy, and yes, provided you are normally resident in Great Britain, the Channel Islands, Northern Ireland or the Isle of Man and it is not a racing event, you will be covered in Europe.

If you take part in an event registered under one of Cycling UK’s summer cycling initiatives such as the Big Bike Revival you will receive event and ride insurance cover for free.

Yes

No. This cover is only available to ride leaders registered under Member Group Organisers’ Liability insurance or Affiliated Groups Organisers’ Liability insurance. It also only applies if you are leading the ride in accordance with Cycling UK guidelines.

Yes – the stoker on a tandem is regarded as a ‘third party’.

Should the stoker be a Cycling UK member and regarded as the cause of a crash, then they too would be covered.

As long as they are Cycling UK members, they will be covered.

Yes, cover is still available if you are towing a trailer. As with tandems, a child in a child trailer is regarded as a ‘third party’ and so could make a claim against the cyclist if the child was injured in a crash deemed to be the rider’s fault.

Yes. Cover extends to hand-cranked and similar cycles. If you ride something that might be regarded as ‘non-standard’, you may wish to contact Cycling UK National Office to confirm cover, but generally Cycling UK wishes to encourage cycling by disabled members.

No. Only Cycling UK members normally resident in Great Britain, the Channel Islands, Northern Ireland or the Isle of Man are insured.

If Cycling UK is the first organisation that you contact then our insurers will respond and deal with the claim, including settlement. Depending on the circumstances, Cycling UK may enquire whether the member has any dual insurance that may allow the charity to share the cost of any claims.