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

Notes

  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