Insurance for a charity cycle

reilig

A charity that I am involved in are hoping to have a fundraising cycle over christmas. An associated organisation was supposed to cover us for insurance, but tonight we found out that they won't now do this.

Can anyone tell is what options we have?
Is there a way that we could get cover from Cycling Ireland? If so, what would it cost us?

We are not a cycling club, but I am a member of a cycling club - would we need to be under a cycling club in order to get insurance for this?

Any advice would be appreciated?

Reilig

RobFowl

You'd really have to discuss this with the CI office. Their policy has specific clauses about what they require before they can cover. Should be an option though.

reilig

RobFowl wrote: »

You'd really have to discuss this with the CI office. Their policy has specific clauses about what they require before they can cover. Should be an option though.

I read on here that most charity cycles don't go through Cycling Ireland for insurance and instead they advise people that they should have their own cover. I wonder would this be an option?

seamus

It's an option, but where there's any kind of organisation there's always the possibility that you are open to being sued - either by participants who have an accident, or another member of the public who is involved in an accident.

Disclaimers, etc are irrelevant. Any "fun" cycle I've ever done, the event itself has arranged insurance from somewhere, and often the uninsured participants pay a small fee (€5 or so), whereas CI members don't.

MichealD

http://www.cyclingireland.ie/getattachment/57ed7c10-5918-4643-839e-14f1d9360426/Cycling_Ireland_Leisure_Events_Guidance_2012.aspx

The cheapest and best option is to get the organising cycling club to meet CI's criteria for running a a leisure event. The costs are minimal and it basically just means you need to plan a safe route, have enoungh marshalls and that all participants sign the disclaimer. Applying to CI to run the event and meeting their safety standards means both the organisers and the participants are covered in the event of anything going wrong.

ROK ON

You have the option of running an uninsured event.

To the best of my knowledge two of the largest charity cycles in the country (Ring of Kerry and Tour de Munster) are uninsured.

ISTR being informed of this at the TDM.

CheGuedara

AFAIK the ROK is insured through CI via a 'special promotions group' - as I understand it this is effectively a clubless committee of event organisers that pay an affiliation fee and are afforded insurance cover for their event.

Whether or not that insurance covers the event facilities, staff, 3rd party and participants I don't know. It could be worth the OPs time chasing up.

ROK ON

IMHO there are only two reasons to take out insurance:
1. That you are legally or regulatory obliged to do so
And
2. That there is a plausible risk that one could not afford to pay for the ramifications of that risk out of current resources.

IMHO one could certainly encounter a risk on a charity cycle but the likelihood should be low. So unless one is required by a law to be insured then you really have to ask the question as to what you are insuring and why.

Beasty

Is there not an issue for organisers though if an event is uninsured? Presumably they would have to make it clear to all participants that they have no insurance in place or risk becoming liable in the event of an accident

MichealD

ROK ON wrote: »

IMHO there are only two reasons to take out insurance:
1. That you are legally or regulatory obliged to do so
And
2. That there is a plausible risk that one could not afford to pay for the ramifications of that risk out of current resources.

IMHO one could certainly encounter a risk on a charity cycle but the likelihood should be low. So unless one is required by a law to be insured then you really have to ask the question as to what you are insuring and why.

I think it would be very foolish for any event organiser to consider running any leisure event without being adequately covered especially with cost as little as .50c per person. I would feel there is very much "a plausible risk" that either a participant or a bystander may be injured at some stage in a cycling event on open roads with riders of varying abilities. While the risk may be very low the potential liability, IMO, could be huge.

ROK ON

Beasty wrote: »

Is there not an issue for organisers though if an event is uninsured? Presumably they would have to make it clear to all participants that they have no insurance in place or risk becoming liable in the event of an accident

Yes. For an event that I have partaken in twice, all participants were informed in writting that this was an uninsured cycle. They had to return a signed form accepting that it was uninsured and they understood what was meant by this.

Surely that is sufficient for any organiser.

I cycle up the quays a few mornings a week with many many other cyclists - I would imagine that a high proportion of my fellow cyclists are uninsured.
So what.

morana

reilig wrote: »

A charity that I am involved in are hoping to have a fundraising cycle over christmas. An associated organisation was supposed to cover us for insurance, but tonight we found out that they won't now do this.

Can anyone tell is what options we have?
Is there a way that we could get cover from Cycling Ireland? If so, what would it cost us?

We are not a cycling club, but I am a member of a cycling club - would we need to be under a cycling club in order to get insurance for this?

Any advice would be appreciated?

Reilig

We do this all of the time. Ring Neil in the office or email him or Rory.

reilig

morana wrote: »

We do this all of the time. Ring Neil in the office or email him or Rory.

Thanks for that!!