Non Members Insurance Cover

pistorius

Should non members be allowed to participate in club spins? Are they covered by club insurance? Are club members who don't have a cycling Ireland licence covered by club insurance?

ragazzo

pistorius wrote: »

Should non members be allowed to participate in club spins? Are they covered by club insurance? Are club members who don't have a cycling Ireland licence covered by club insurance?

What is club insurance? I am not aware of a separate club insurance scheme that clubs avail of. The insurance is through CI and applies to affiliated clubs. It is the licence which carries the insurance for individual riders within that club. All riders who regularly participate in club spins should have CI or IVCA membership. If the officers of the club are willing to carry the burden in the event of a claim then they will probably allow anyone to tag along.
Non members who carry the correct insurance should not pose a problem from that perspective but it is up to the club committee to decide on who participates in their activities.

Beasty

There is a major risk to clubs as I see it if they regularly allow non-insured riders on their spins. There are however provisions under CI's insurance that provide cover for up to 3 introductory spins per individual assuming they sign an official CI sign-on sheet before the spin

The risk I see is that if the club is "putting on" the spin (which could be evidenced simply by being listed as a "club spin" on their website) and there is an "incident" caused by an unisured participant, then who does a claimant claim against? They could obviously try and claim against the individual rider, but could also pursue the club or its officers who have allowed uninsured riders to tag along. For this reason I believe it very important for all clubs to ensure participants in any of the events they put on (training or races) are properly insured

cornet

Beasty wrote: »

There is a major risk to clubs as I see it if they regularly allow non-insured riders on their spins. There are however provisions under CI's insurance that provide cover for up to 3 introductory spins per individual assuming they sign an official CI sign-on sheet before the spin

This is an issue currently under discussion at our club. I had a look through the CI policy documents but cannot find a reference to 3 introductory spins. It seems to be what most clubs do but is it covered?

Raam

Beasty wrote: »

There are however provisions under CI's insurance that provide cover for up to 3 introductory spins per individual assuming they sign an official CI sign-on sheet before the spin

I tried searching for this in CI docs once, but I could not find it. Do you know where it is stated?

buffalo

cornet wrote: »

This is an issue currently under discussion at our club. I had a look through the CI policy documents but cannot find a reference to 3 introductory spins. It seems to be what most clubs do but is it covered?

CI may have issued official guidelines at this point, but late last year I got this from the office:

I have checked with our insurers again and they have advised that they are happy for clubs to run up to three spins for new members

Non-members must sign on, YMMV, T&C apply, etc. Talk to the office directly is my advice. Enough clubs ask, they'll hopefully put the situation in writing somewhere public.

Beasty

Raam wrote: »

I tried searching for this in CI docs once, but I could not find it. Do you know where it is stated?

That's the problem - the insurance stuff on the website does not, AFAIK, mention the 3 spin rule. As buffalo has mentioned this is something that gets some clarification if the question is asked directly of CI, although even he at one stage had differing messages - was it 2 or 3 spins allowed? He has though obtained further clarification as he mentions above

cornet

Thanks for the replies. It's quite a grey area and the reality is that at this time of year with the weather improving we will see a lot of newcomers/beginners looking to try out a club spin. I would feel more comfortable if it was addressed in the policy wording.

buffalo

cornet wrote: »

Thanks for the replies. It's quite a grey area and the reality is that at this time of year with the weather improving we will see a lot of newcomers/beginners looking to try out a club spin. I would feel more comfortable if it was addressed in the policy wording.

Give that message to CI. Totally agree it would be great to have written public clarification. Perhaps it already exists somewhere on the site, but I haven't seen it.

There used to be a written statement about the three spin, but I think that was before the site update.