Dear all,
I think that this is a very important discussion. While the cost is important, more important in my mind is the original question: what do members and the club get for this payment?
In an earlier life, I requested and received a copy of the CBC insurance policy but I was instructed not to share this policy information with anyone because it was confidential. I did not like that this information was confidential nor that it took many many months and repeated requests to receive this information. I got the distinct impression that my request was not welcomed even though I was at that time a member of the TSC executive.
Nevertheless, my reading of the policy led me to believe that the primary purpose of the insurance was to cover my liability. To me this means that the insurance company will cover my liability in the first instance if the courts finds me to have caused injury through negligence. I am not sure whether or not the insurance company would turn around and look for compensation from me in this situation. A secondary purpose was to provide specified and very limited compensation to me if I was injured (ie. Blindness in one eye was worth a specific number of dollars). The proviso here was that I must assist the insurance companies pursuit of compensation from whoever was responsible for me injury .....
Of course, the coverage would only become relevant after all other insurance options were exhausted including health insurance.
There is some background information that I found useful for a discussion of the laws, liability and relevant court cases (of which there were very few in the context of club riding and group riding).
"Forcese, C., & LaViolette, N. (2014). Every cyclist’s guide to Canadian law. Irwin Law."
"Accessibly written and often humorous, this book is written for those with little or no legal background. Using straightforward and jargon-free explanations, the authors include anecdotes and examples drawn from their own experiences as seasoned recreational and competitive cyclists. Every Cyclist's Guide to Canadian Law will also provide an authoritative reference for lawyers, club directors, coaches, and sporting event planners."
It used to be available in the public library (GVPL). An electronic copy is available through UVic I think.
A second edition is published. I have not read this:
Title Every Cyclist's Guide to Canadian Law, second edition
Author Christopher Waters
Edition illustrated
Publisher Irwin Law, 2022
ISBN 1552216454, 9781552216453
Given that there have been a few serious accidents during our rides I would be very interested in learning about the perspective of those members who were injured. Do these injured members feel that the CBC insurer treated them fairly and with respect?
Of course, there are several members who are lawyers. They are almost as bad as Sociologists for providing definitive answers when I ask
. In case there is some uncertainty here : I am a sociologist.
Cheers,
Mikael
Ps. I tried to make sense of the different options in Ontario. I came to belive that the cheapest option for adults was $48.00 in 2022.
https://ccnbikes.com/#!/memberships/ont ... membership
