Should an accident occur involving either a competitor or an official associated with an event, the following clarification of the Cycling Time Trials’ third party insurance is provided, along with an outline of how to proceed should a claim be received.
Cycling Time Trials Open and Club Events
All approved events, whether Type A (Open) or Type B (Club), run “for and on behalf of Cycling Time Trials” and in accordance with the Cycle Time Trial Rules and Regulations as detailed in the current Cycle Time Trial Handbook are covered by the company’s Third Party Liability Policy.
The current Third Party Liability Policy provides indemnity in the event of a claim against the event officials involved in an approved event (event secretaries, timekeepers, pusher off, marshals, sign erectors, observers and all volunteer helpers, including catering provided by the event. (Should a commercial organisation provide the catering, they must hold and provide evidence of appropriate insurance).
Cycling Time Trial National and District Officials
The current Insurance also extends to District Committee Members and officers, together with any individuals tasked with undertaking activities on their behalf. This includes the course measurers, risk assessors and course designers whilst they are carrying out their duties, undertaking the Company's business.
The same cover extends to members of the National Committee, its officers, and to any individuals tasked with undertaking activities on their behalf.
Limits of Liability
The limit of the Public and Products Liability is £10,000,000. This cover includes any claims received associated with the use of buildings hired as headquarters for an approved event.
For 2013, Cycling Time Trials third party insurance covers accidents during approved events where a competitor to competitor claim is received.
Actioning a Claim & Incident Notification
If a claim is received against a competitor or any Official associated with an approved event, details of the claim should be forwarded, without delay, to the National Secretary (Corporate and Administration), together with, or as part of the Accident/Incident Report Form., who in turn will inform the Cycling Time Trial’s Insurance Brokers.
Competitors in Cycling Time Trials Events
If individual competitors are entitled to indemnity cover under any other insurance provided by other policies, such as those provided through membership of other cycling organisations (British Cycling, Cycle Touring Club) or through a Personal Liability Policy (either a commercial policy such as Pedalsafe, or as part of a competitor’s Home Insurance Policy), then this will be deemed to be the first source of insurance cover called upon to meet the claim.
The insurance cover we have arranged is aimed primarily to protect race organisers and committees, including cover for claims arising from incidents involving competitors injuring other competitors or officials during the event.
However, in the absence of any other appropriate insurance policy being held by an individual competitor receiving a third party claim against them in an approved event, run “for and on behalf of Cycling Time Trials”, Cycling Time Trials’ insurance cover will provide, inter alia, indemnity. There is a payable claims excess of £1000 on this policy.
Cycling Time Trials recommend that all competitors/cyclists should consider purchasing personal third party insurance, either through membership of a national cycling organisation, from a commercial source, or as part of their household insurance.
Should you require any further information or advice on insurance associated with Cycling Time Trials, or this statement, please do not hesitate to contact the National Secretary (Corporate and Administration).
Should you require any further advice this can be obtained from the National Secretary.
To print a copy of the Insurance Certificate (PDF format) please click HERE.