The Benefits: Leisure Rider
You ride your bike for fun, fitness and family time, but even on high days and holidays, accidents can happen. Don't let a minor prang spoil your quality time. Take a look at how Everyday Cycling Membership might protect you.
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'm out for a ride on a Sustrans trail and I'm knocked off my bike and injured by a dog which is off its lead. What help can I get?
A claim could be made against the owner of the dog, provided there are reasonable prospects of success. It would be necessary to establish that the owner has insurance in place which would cover the claim or has the financial means to pay.
Q
I'm riding on a canal towpath and I hit a rider coming the other way. It's my fault and the other rider's bike is damaged? Am I covered?
If it's clearly your fault then any claim made against you will be handled under your liability insurance.
Q
I've hired a bike for the weekend and skidded off on a patch of gravel on the public road. No other road users were involved. The bike is damaged and I've got bad cuts and bruising. Am I covered and can you help?
Depending on how the gravel has come to be on the road, it may be possible to claim against the Highways Authority for failing to adequately maintain the road. Where the gravel appears to have been deposited on the road, perhaps by a construction vehicle, it may also be possible to make a claim against the Motor Insurers Bureau (MIB) under the Untraced Drivers Agreement. If a claim against the MIB is made this would not cover any damage to your bike, only your injuries and consequential losses. Without a legal claim against a third party, any damage to the bike will require additional insurance cover which may be included in your hire agreement or you may need to rely on your own bike insurance arrangements.
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 incidentthe 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.