We all ride with the intention of keeping safe and avoiding incident, but occasionally the unfortunate can occur. Although you may not be at fault - you could, for example, have unintentionally damaged a car or fence, or caused injury to a fellow cyclist.
With third party liability insurance, you are covered for any claims made against you for damage or injury. Cycling UK members are automatically covered up to £10 million by this policy and there is no excess to pay.
It includes using cycles for business use but does not cover those specifically employed as a cyclist, for example as a courier.
It covers sportives, charity rides, Audax, time trials and other rides as long as they are not competitive in nature. Electric pedal bikes are also included.
All Cycling UK individual membership types automatically include liability in the event of injury or damage to third parties or third-party property, but cycle insurance to protect your bikes and possessions from theft and damage is provided by Yellow Jersey and combined home and bike insurance is provided by Pedal Cover. Both offer exclusive discounts to Cycling UK members.