Summary of Insurance Coverage

[Plawless]

This from Cycling BC:

Associate Member Insurance FAQ

Please feel free to post on your club’s website!

What type of insurance coverage do I have as a club member?

$5 Million 3rd party Liability Insurance plus Sport Excess Medical Insurance. This includes “popular” benefits such as Ambulance transport, physiotherapy, fractures, prescription eye glasses incurred within 52 weeks of the date of accident.


What type of coverage do I have as a UCI Licence Holder or a Citizen Licenceholder?

The coverage is the same as described above with the exception that it extends to any Cycling BC sanctioned activity or race. UCI Licence holders have insurance outside of BC, but not medical insurance outside of Canada.


When am I covered?

As a club member, you are covered during registered club events occurring in Canada and as listed on your annual club’s affiliation form. It does not provide coverage outside of these scheduled activities– ie. it is not 24 hr coverage


What if I want to participate in another’s clubs’ activities?

You must then affiliate to that club as well. This can be done by:
1. Becoming a secondary member of that club‐ $10 plus the club dues, or
2. Upgrading to a Citizen Licence for $11 plus club dues.


Why is it better to upgrade to a Citizen Licence?

For the same price of a secondary membership, a citizen licence allows you to participate and be insured during any Cycling BC sanctioned race without purchasing a day licence.


How do I report a medical claim?

If an accident occurs while participating in a club activity, a club member
has 30 days to report an injury. To do this, click here: How to Report a Accident Claim.


Are the bicycles and riding equipment of a rider covered?

Personal belongings of members are not covered


Sports Accident & Excess Medical Insurance

Eligibility
All members on record with the Canadian Cycling Association (CCA) under age 80 who are Canadian residents covered under a Federal or Provincial Hospital or Medical Plan. Coverage applies to sanctioned events within Canada. Out-of-Country (Excess Medical) insurance may be purchased for an additional fee.

Scope of Coverage
Any accident resulting in death, dismemberment, paralysis loss of use, sight, speech or hearing ö while and in consequence of:

Participating in a training program, tour or competition approved by and under the supervision of proper authority of the CCA of which the Insured is a member; or

Traveling directly to or from such training program, tour or competition with other Insureds, under the supervision of proper authority of the CCA of which the Insured is a member.

Coverage & Limit of Insurance:

Accidental Death - $20,000
Dismemberment, loss of use of a limb, loss of speech/hearing - $30,000
Dental treatment - $500
Bone Fractures - $500
Tutor - $2,000
Emergency Taxi - $50
Ambulance - $250
Accidental Medical Treatment - $10,000
Repatriation - $10,000
Rehabilitation - $5,000
Family Transportation - $10,000
Alteration of residence & vehicle - $10,000
Eye glasses (accidental) - $100
Physiotherapy - $500


Comprehensive General Liability Coverage

Comprehensive General Liability Insurance with respect to the operation of THE CANADIAN CYCLING ASSOCIATION and/or The Provincial Associations and Various Canadian Cycling Clubs and members registered with The Canadian Cycling Association.

Limits of Liability:
$5,000,000 Bodily Injury and Property Damage Liability per occurrence
$5,000,000 Products and Completed Operations annual aggregate
$1,000,000 Tenant's Legal Liability
$5,000,000 Personal Injury and Advertising Injury Liability
$5,000,000 Non Owned Automobile Liability
$10,000 Medical Payments per person

Deductibles:
$1,000 Property Damage

Special Provisions:

Products and Completed Operations
Property Damage on an Occurrence Basis
Blanket Contractual Liability
Personal Injury Liability
Employee Benefits (Claims Made)
Employer's Liability (Canadian Domiciled Employees Only)
Contingent Employer's Liability (Canadian Domiciled Employees Only)
Voluntary Compensation

[Roland]

This from Cycling BC:
Bone Fractures - $500

Damn, if only I crashed at a sanctioned club event I'd be $500 richer.