Options; Third Party Insurance

A condition of membership of the club is that members have third party cycling insurance. This protects the rider and the club (and its officers), against claims from third parties. Eg. If a rider accidently hits and injures a person on a zebra crossing, then that person may make a claim that, depending on the circumstances, might be substantial. Third party insurance does not cover loss or damage to yourself or you bike.

The club accepts insurance that comes automatically from being a member of CyclingUK (CTC), London Cycling Campaign (LCC) or British Cycling (BC); it does not recognise any other provider. Up until now most Meridian members have decided to become members of CTC where Senior Members benefit from a reduced membership of £30.50pa. As from 1st Oct Senior membership has been abolished; normal individual membership is £48pa. This is an effective increase of 57%. The purpose of this note is to explain the options that are available from LCC and BC. It is not a recommendation; members should read carefully the terms and conditions to confirm that they meet your own requirements.

LCC CTC full1 CTC affiliated2 BC3
Insurance (over 65) £5m £10m £10m £15m
Cost £25pa4 £48pa £26pa £43pa
Legal helpline Yes Yes No Yes
Magazine Yes Yes No No


  1. There is the option of Life Membership
  2. Meridian is affiliated to Cycling UK; affiliated members do not have access to the incident helpline
  3. Insurance only comes with ‘Ride’ or ‘Race’ membership; BC insurance does not cover member on member incidents.
  4. Aged 65 or older

Committee Meeting 4th Sept

This is a brief summary of the main points discussed at the meeting. Full minutes will be published in due course.


The club is to reinstate formal club rides. To this end a policy document was agreed and published on the website.

It is envisaged that the runs list will be fully operational for rides on or after 16th Sept.
Paul Godfrey to liaise with group coordinators regarding operational details.

Club Matters

The AGM, which is timetabled for Autumn 2020, has been provisionally pencilled in for Spring 2021.
Club accounts will be produced in the Autumn of this year in the normal manner.

Membership renewal fees will be suspended for 12 months.
Fees for new members will apply in the normal manner.
Existing membership cards will apply for the extended period.

The summer party, and the Christmas Dinner timetabled for December 2020, have been cancelled.

The Holland trip to proceed in June 2021. A condition of travel is that participants acknowledge that the club are merely acting as coordinators in transferring participants’ money to the hotel/ferry. In this respect the club has no liability if the hotel/ferry are unable to fulfil their commitments.