The Benefits: Commuter
Riding to work is great for the planet and your waistline, but there are risks involved. Whether you clip a wing mirror or get T boned by a taxi, help is at hand.
For the equivalent of just 2GBP per month, Everyday Cycling membership gives you access to a wide range of benefits including cycling insurance, legal advice and discounts on hotels, breakdown cover, travel and retail.
Insurance cover for cycling activities - third party liability insurance is an integral part of the Everyday Cycling membership package that provides members with important insurance cover with an indemnity limit of 10 million GBP and with no 'excess'. Protecting you from the financial consequences of a claim made against you following a cycling accident that was wholly or partly your fault. This essential member benefit covers non-competitive, social, leisure and utility cycling worldwide.
Expert legal claims and advice - Advice is available from experienced personal injury lawyers should you, as the holder of an Everyday Cycling membership, be involved in an accident that is not your fault. Even if you have suffered no personal injury, your case may still be pursued, at no cost to yourself - again ask about this when comparing packages. Over 4.8 million GBP has been recovered in damages in the last two years, at no cost to our members.
Great value benefits - Our benefits include discounts with the AA, Holiday Inn, sports travel and much more. Even more value from your Everyday Cycling Membership. Find out more about Everyday Cycling Membership Affinity Benefits
Becoming a member - Everyday Cycling's parent organisation is British Cycling - the internationally recognised governing body of cycling in Great Britain which represents the interests of everyone who rides their bike for sport and leisure.
By purchasing an Everyday Cycling membership you are becoming a member of British Cycling and will therefore be making an important contribution to the development of the whole of cycling in the UK. In addition, you will have the peace of mind of insurance protection, whether you cycle to work, for fitness or for leisure.
What if...
Q
I've snapped off a car wing mirror on your way to work - Am I covered?
Yes. Liability insurance cover is provided with your EDC membership.
Q
I was riding to work and was ridden into the gutter by a passing car, resulting in a crash -How can EDC Membership help?
Your EDC membership provides you with support and assistance with a legal claim against the third party motorist who caused the accident, provided there are reasonable prospects of success. If the vehicle doesn't stop you must report the incident to the police within 5 days. You may then be able to claim for your injuries from the Motor Insurers Bureau (MIB), under the Untraced Drivers Agreement, provided the claim is made within 9 months of the incident. If you claim against the MIB under this scheme and the third party vehicle is not identified you will not be able to claim for the damage to your bike.
Q
I hit a pedestrian who crossed in front of you when the pedestrian crossing is on red. Am I covered?
Yes - a claim could be made against the pedestrian. However, a pedestrian is not obliged to have any insurance which would cover your claim and if there is no insurance the pedestrian may not have the financial means to pay your claim personally. Your EDC membership provides you with support and assistance to investigate whether a claim against the pedestrian would be worth pursuing and, if so, to assist you with that claim. If, however, it can be proven that you have been negligent in any way then any claim made against you by the pedestrian would be handled under your liability insurance. You should be aware that, believe it or not, even if the pedestrian is crossing against a red light, in some circumstances the cyclist may still be held liable.
Q
I don't always wear my helmet when riding my bike. What are the implications of not wearing a helmet if I am involved in an incident whilst riding my bike and wish to pursue a claim against a third party?
British Cycling recommends all cyclists to wear suitable head protection whilst riding their bike. Whilst there is no legal requirement to wear a helmet, if you suffer a head injury as a result of the incident the third party insurer could argue that your compensation should be reduced if you were not wearing a helmet. They are likely to argue for a 25% reduction but this is a matter to be decided by medical evidence.