Protection for you and your equipment
Wheelers members are strongly advised to have adequate public liability insurance, and it is a Club time trial rule thus:
4.1.1. All members competing in time trials shall be British Cycling, British Triathlon or Cycling UK members for Public Liability Insurance and Legal benefits.
This tariff below indicates what the National Governing Bodies (NGB's) offer to adequately cover the above rule. British Triathlon is included below, which may be acceptable to the Committee, to meet the above rule.
British Cycling - Race Gold £78.00 Race Silver £46.00 Ride £44.00
Cycling UK - Affiliate £28.00
British Triathlon Ultimate - £79.50 Core £57.00 Essential £26.50
With the BC Race Gold membership, personal accident insurance is also included in the benefits. The limit of liability in any one case for BC & British Tri is £15m and Cycling UK is £10m.
Cycling Time Trials offer public liability insurance, but their wording is rather vague and is primarily in place to protect the race organiser, race officials, volunteers and marshals from claims made by members of the public. Cover also extends to claims between competitors, but again the wording is vague and appears to only protect officials against those claims. This is why it is important to ensure that you as a rider are covered by one of the NGB’s above when racing CTT events.
Both the British Masters Cycle Racing (BMCR) and The League International (TLI) offer Public Liability (PL) insurance as a membership benefit, with the limit of liability in any one case for BMCR £5m and TLI £10m. As they are volunteer organisations, they may not offer the same HQ staff assistance for claims that the NGB’s in the table above can.