INSURANCE: Its been raised a few times over the last few months and again this week. Our Club Chairman, Simon Hill, wrote the post below a few years ago and the points still apply today. I thought it might be useful for you all to see.
Fellow Lyme RC Members,
Since I've been asked a few times over the previous weeks about cycling insurance and third party liability (what's covered by being a club member? etc.), I thought I'd post a quick reminder to all.
The first thing to point out is that the Club Insurance (purchased through our affiliation to CTC) covers the club and does not cover individual members.
Lyme RC therefore highly recommends to all members that they purchase their own individual insurance to cover their specific riding activities.
This may be through membership organisations (such as CTC, British Cycling, etc.) who provide insurance as part of their membership packages, or through separate cover from an insurance company (e.g. personal sports insurance packages). Remember, liability insurance is there in case the worst happens - which none of us hopes will ever be the case. If you're riding without insurance then you are potentially risking a big claim if you are involved in an accident that causes injury or damage to another person.
Entry conditions for some events may request that you provide a membership number as proof of insurance, or sign up to a day membership to cover insurance (e.g. BC races, Audax events, etc.). You cannot use the Club affiliation or membership to cover your personal responsibilities for these events.
(The only exception to this is for our younger riders who are covered for British Schools Cycling Association events.)
For club runs (which must have been advertised on the club forum at least 1 day in advance of the agreed start time), the ride leader is covered by the Club's Insurance for any claims made against them.
The ride leader must be a fully paid up member of the club and they must be aware of all ride participants through a collection of names. The ride leader must notify a Club Official at the earliest opportunity of any incident(s) that occur, which may lead to a future claim against the ride leader or the Club. In addition, a club run must have no more than 5 guests or non-members present, and any individual guest must not participate in more than 5 club runs before deciding whether to join the club (or not).
These conditions are laid down in our policy and so are not up for discussion or debate. If anyone has any questions please let me know.
Sue Jones (our Membership Secretary - "Wellygirl" on the forum) also has further details on individual membership packages and insurance through CTC and British Cycling if you need them.
I hope this update is useful.