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however my understanding is that I need a membership that includes liability insurance to attend group rides?
This always causes confusion - there are really three kinds of insurance that we all need to worry about:
Personal insurance - coverage for you, your bike and your accessories against accidents/theft (something like YellowJersey, Laka etc). Discounts and reccomendation codes can be found in the forum somewhere.
Personal liability insurance - are you covered if you cause an accident that impacts a member of the public - eg: you cause a car to smash into someone's house. Many of the insurance firms above provide this, but it is included in BC for Race Gold, Race Silver, Ride and Commute Members
Club liability insurance - something the club has in order to protect itself against being sued because of things the members do on official club events, or because of things that occur during our races/special events. EG: someone crashes during the Great Escape and sues the club because they think we did not sign post things correctly.
The club has traditionally never asked anyone to have personal accident/theft or public liability insurance. Reading between @ChrisGold words, the committee has not discussed this recently.
My personal view is that anyone with a bike worth more than £500 should insure it (£500 being the amount normally catered for under household insurance), but that's an individual's choice. If you are a BC member, chances are you have liability insurance, and the rest is up to the club.
Hope that clarifies things a little (or at least hasn't confused you more!!!)
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JonnyK
Hi all,
I attended the Group Skills session on Saturday and i'm now looking to sign up. When i'm processing through my membership form it's asking for me to select between British Cycling Ride (£22) vs British Cycling Race Silver (£19). I was going to process the Race bronze package (£0) however my understanding is that I need a membership that includes liability insurance to attend group rides?
I just wanted to check that i'm not missing anything as the better looking membership is the cheaper price? If someone is able to confirm and I can get this processed and start attending group rides. Thanks in advance to anyone who can help.
Marty