CTC Affiliation for Clubs, Groups

and Associations

March 3, 2004

 

 

Affiliation to the CTC for Cycling Clubs

Dear Secretary, Thank you for your enquiry regarding affiliation to the CTC for your Club.

 

Club Affiliation.

CTC Club Affiliation is for a fixed year, starting on October 1st. The full year fee for 2003-2004 is just £30.50. Clubs joining between April and September will be able to affiliate to the CTC at a reduced rate of £18.75.

 

Club Insurance.

Our club policies, including Public Liability (3rd Party), Organisers Liability, and Clubroom Effects and Trophies

Insurance also have an October 1st renewal. As with membership, insurance is offered on a fixed year basis.

Premium will be charged on a pro-rata premium through to 30 September EXCEPT for third party insurance premiums

(see below).

 

Affiliated Members Public Liability Insurance (3rd Party)

 

Third Party Public Liability insurance is available to your members, again running for a fixed year to 30 September. If your members wish to have CTC Public Liability cover, the cost is £10 for applications made between 1st October and 30th March, or £7 for applications made on or after 1st April, both running to 30 September.

 

Yours sincerely,

 

 

Peter J Jackson

Operations Manager

 

 

 

CTC, P0 Box 186, Portsmouth, P05 1WE

Tel 0870 873 0061 Fax 0870 873 0064 Email membership@ctc.org.uk

CYCLISTS TOURING CLUB - THIRD PARTY INSURANCE

Any cyclist involved in an accident which causes injury or damage to another person or property may have a third party claim made against him. Every member of the CTC normally resident In Great Britain, Northern Ireland, Eire, the Isle or Man, or the Channel Islands, is insured against such a claim up to £5,000,000 in the World except in the USA and Canada.

 

This protection is valid only so long as the insured person remains a fully paid-up member of the CTC or is an insured member of an Affiliated Club.

 

No matter how careful a cyclist may be, whenever he goes for a ride he takes the chance that he may be involved in an accident or which the Law, as interpreted by a judge or jury, will hold him to blame. Third party claims may arise from indirect causes. For instance, a member of the CTC was actually held responsible for the damage that ensued when a motor car crashed into a shop window. The cycle itself did no damage but it was held that the presence of the cycle had been the cause of the cars collision with the shop.

 

In addition to covering the member while using his cycle for private and professional purposes, the insurance also includes business cycling. This means all forms of business riding, except those in which a member is specifically employed as a cyclist e.g. as a cyclist-messenger or a carrier cyclist. In such cases liability should be borne by the employer and there should be no need for Individual insurance by the employee.

 

It should be noted that the scheme also covers time-trials and record breaking (except that the Insurers are not liable for damage or injury to one competitor caused by another competitor).

 

The policy is issued by Norwich Union Insurance, who undertake subject to the prescribed conditions and limitations, to indemnify the member against all sums which he or she shall be legally liable to pay as compensation for:­

 

a)            Accidental bodily injury to any person (other than a person in the member’s service or being conveyed by the member or riding with the member on the same cycle).

 

b)            Accidental damage to property (other than property belonging to any of the member’s family or actually the members own or held in trust by the member or being conveyed on the said cycle) where such injury or damage is caused while the member is riding or wheeling a cycle (which word “cycle” shall be defined as meaning any bicycle or tricycle or tandem or triplet not driven by mechanical power). Provided always that the liability of all claims for compensation payable to any claimant or any number of claimants in respect of or arising out of any one accident (which word “accident” shall be held to include a series of accidents occurring in connection with or arising out of one event) is limited to £5,000,000. The insurers will in addition be responsible for costs and expenses recovered from the member by any claimant in connection with any such accident and for costs incurred with the written consent of the Insurers. Further, the Insurers will pay the solicitor’s fee for representation at any Coroner’s Inquest or fatal inquiry or for defending in any police court any proceedings that may be taken against the member in respect of the riding or wheeling of a cycle at the time of an accident which may be the subject of indemnity under this policy, provided that authority for such legal assistance has been obtained from the CTC Headquarters office. Provided always that no liability shall attach to the Insurers while a cycle is let out or used for hire or is being used other than for private or professional purposes (it being understood that cycles used in connection with trade are specifically excluded from the indemnity granted by this policy) but liability shall attach to the Insurers while a cycle is being used for riding to and from business, for occasional business trips, for ambulance purposes and in. time trials. Provided always that no liability shall attach to the Insurers in respect of injury or damage caused to any competitor by any other competitor while engaged in racing, pace-making or time trials. An excess of £250 applies to any claim made under this section.

 

OPTION TO INCLUDE INVITEES

In order to protect fully members of your Club from the negligence of an invitee that might arise, the CTC can now offer limited third party insurance to invitees up to a maximum of five per ride. The third party insurance protects invitees against claims by CTC members on the ride but does not give protection against claims by fellow invitees or members of the public. The additional premium per annum is £15 irrespective of the number of rides. The cover for invitees commences at the start of a ride and concludes at the end of that ride. In the event of any incident during the ride giving rise to a claim against an invitee under this provision, full details of the parties concerned should be noted.

 

CONDITIONS

1.            In the event of any accident, the CTC Accident Line should be contacted as soon as practicable on 0870 873 0062.

 

2.            Notice shall be given in writing to the CTC as soon as reasonably possible, after the occurrence of any accident. Every letter, claim writ, summons or process shall be notified or forwarded to the CTC immediately on receipt. Notice shall also be given in writing to the OTC immediately the member shall have knowledge from whatever source of any impending prosecution in connection with any accident for which there may be liability under this policy.

 

3.            No disclosure of insurance, admission of liability, offer, promise or payment shall be made to third parties by the member, without the written consent of the Insurers, who shall be entitled, if they so desire, to take over and conduct in the name of the member the defence or settlement of any claim, or to prosecute in his name for their own benefit any claim for indemnity or damages or otherwise against any third party, and shall have full discretion in the conduct of any proceedings or in the settlement of any claim, and the member shall give all such information and assistance as the Insurers may require. The Insurers may, prior to or at any stage of such proceedings pay to the member the full amount payable under this policy in respect of any claim or claims, and shall thereupon be relieved from all further liability in respect of such claim or claims and shall not be responsible for any damage alleged to have been sustained by the member in consequence of any action or omission of the Insurers in connection which such claim or claims or proceedings.

 

If at any time any claim is made under this policy there is any other existing insurance covering the same risk, whether affected by the member or any other person, the Insurers shall not be liable to pay or contribute more than their rateable proportion of the liability in respect of such claims, provided always that such rateable proportion shall not exceed the sum of £5,000,000.

 

NOTE: The insurance year runs for the same period as affiliation to CTC. Any insurance taken out during that year becomes renewable on your affiliation renewal date.

PUBLIC LIABILITY INSURANCE: “ORGANISERS’ LIABILITY”

 

In a world which is becoming increasingly insurance conscious, and where possible claims can now arise out of any situation for which participants may hold the organisers of an activity responsible in law, we believe it is extremely important for all cycling club officials to consider the implications of their liability in events which they are organising, and to seek indemnity through insurance against claims which might be made against either the club or the officials themselves.

 

Accordingly, the CTC has now arranged to provide “Organisers’ Liability” cover for its affiliated clubs, where this is required, through a master policy, arranged on a schedule basis, which indemnities the Affiliated Club and its officials against any claims of liability made by participants in the Affiliated Club’s organised activities, on payment of an annual premium.

 

EXTENT OF COVER AND EXCLUSIONS

 

The cover offered extends to all cycling events (sponsored rides, tourist trials, club runs, fun rides, invitation rides. reliability trials, etc) that an Affiliated Club may organise during the year, but events involving time trialing and speed racing (road racing) are specifically excluded.

 

COVER APPLIES TO THE BRITISH ISLES ONLY

 

The limit of indemnity will be £5,000,000 but there is a £250 excess on all property damage claims -that is, the organising club must contribute the first £250 of any claim involving damage to property. There is no excess payable for claims involving personal injury.

 

PREMIUM

 

A basic premium of £30.50 per Affiliated Club is payable regardless of the size of your membership, plus a fee of 40p per head for all your members, whether or not they are individual members of the CTC or BCF. We must stress this point since cover will only be valid if a premium is paid for your total membership, as it stands at the date your premium is paid. An increase in your membership during the ensuing twelve months will not invalidate any claim you need to make.

 

Please note that it is a condition of insurance that you notify the CTC of any single event or activity falling within the scope of this policy which involves more than two hundred participants.

 

NOTE: The insurance year runs for the same period as your affiliation to CTC. Any insurance taken out during that year still becomes renewable on your affiliation renewal date. See your affiliation form for details of the transition to the fixed affiliation and insurance period of 1 October -  30 September annually.

 

Commentary (by Simon)

 

The cover for guest members is almost worthless, as it protects the invitees from claims from CTC members ONLY, not each other or members of the public

The £30.50 for organiser’s liability looks like a bargain