Insurance

If you want to be a member of Macclesfield Wheelers and join any of our rides, you must have third party insurance.

Third party insurance covers you against claims made by others for any injury, loss or damage you may have caused while cycling. It doesn’t cover any injury you might cause to yourself or any loss of, or damage to, your own property such as your bike or clothing.

You can get third party insurance by:

  • being a member of one of the cycling organisations below, or

  • buying cycling-specific third party insurance from a commercial insurer.

We have not assessed your individual needs and it is your responsibility to check that any insurance you take out meets those needs.

Third party insurance with Cycling UK

Cycling UK offer only full membership. They no longer offer the discounted affiliated membership (as of 1st Nov 2023). Their membership page is here.

We may ask to see your membership details

Third party insurance with another cycling organisation

British Cycling (BC)
Race Gold, Race Silver or Ride Member. BC Race Gold and Race Silver membership covers you for claims by third parties while taking part in competitive events, but not for claims made by other members of British Cycling. BC Ride membership does not provide cover for claims by third parties while taking part in competitive events, so if you want to use your BC membership to take part in our club time trials; you’ll need Race Gold or Race Silver.

League of Veteran Racing Cyclists
Commuting isn’t covered; you may wish to consider Cycling UK or British Cycling if you need this.

TLI Cycling
Commuting isn’t covered; you may wish to consider Cycling UK or British Cycling if you need this.

We may ask to see your membership card.

Cycling-specific third party insurance from a commercial insurer

You don’t have to have third party insurance through membership of a cycling organisation. You can be a member of Macclesfield Wheelers if you have acceptable cycling specific third party insurance from another provider.

We may ask to see your insurance certificate.