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    We’ve got you covered

    For 2019, all active RCC members will receive basic personal accident cover as standard. No other club of our kind in the world offers this perk as standard. Whether you’re on a group ride from the Clubhouse, on your regular weekend route or discovering new roads, the RCC has you covered.

    RCC Rider Insurance

    Now included with your Rapha Cycling Club membership is rider insurance to help get you back on your bike in the event of a crash or serious mechanical failure. This covers you whenever you’re on your bike, and not just on an RCC ride. You’re covered for the whole of 2019, from January 1st to December 31st, provided your membership is still active.

    Making a claim is simple, handled by our insurance partners Yellow Jersey.

    Make a Claim

    Please see a summary of what you’re covered for below. Please note the information below is GBP. All claims will be processed in local currency equivalents.

    For the full policy wording, terms and conditions, and a sample Evidence of Cover, please see here.

    Travel reimbursement

     

    You are covered for the costs associated with taking a taxi or train (or a more appropriate form of transport) if you have an accident or irreparable mechanical breakdown whilst out on a ride.

    • You can make one claim up to a maximum of £100 per calendar year
    • The incident must occur more than 10 miles/16 kilometres away from your place of residence
    • Costs resulting from punctures are not covered

    Bicycle gadget cover

     

    Your bicycle gadgets are covered when damaged as the result of a cycling related accident. Subject to a £50 excess per claim, payable by you.

    • Eligible devices are mobile phones, GPS cycle computers or GPS sports watches
    • You can make one claim up to a maximum of £500 per calendar year
    • You will need to show that either your bicycle was damaged and/or you required medical treatment following a crash
    • Covered does not extend to lost, stolen, water damaged or cosmetically damaged gadgets
    • Gadgets older than 36 months are not covered
    • Proof of purchase must be shown

    Personal Accident

     

    You are covered for fixed amounts based on the table below for incidents and accidents that occur whilst riding your bike during the calendar year.

    • Fractures and dislocations: up to £2,000

    • A fracture of:
    • a) hip or pelvis – £300
    • b) leg (excluding kneecap) – £300
    • c) collar-bone, arm – £300
    • d) skull (including cheekbone and jaw – £300
    • e) shoulder-blade – £300
    • f) bone(s) in foot or hand (excluding toes and fingers) – £300
    • g) toe(s) or finger(s) – £50

    • A dislocation of

    • a) spine or hip £2,000
    • b) knee, ankle, wrist, elbow, collarbone (excl. toes and fingers) – £100
    • c) any other dislocation requiring general anaesthetic or traction – £100

    • Optical Injuries up to £150

    • a) eye test – £25
    • b) Replacement or repairing spectacles or contact lenses – £150

    • Permanent Facial Scarring up to £1,000

    • a) The scar length is 10cm or longer – £1,000
    • b) The scar length is between 3cm and 9cm – £500

    Physiotherapy Fees


    You are covered for physiotherapy fees to treat injuries from a cycling related incident that occurs within the calendar year.

    • The limit is £750 per calendar year
    • The treatment must be reasonably and necessarily incurred within 12 months from the date of the accident for all injuries arising from the same accident.
    • Proof from your medical practitioner justifying private rather than National Health Service physiotherapy is required.

    Dental Fees


    You are covered for dental fees to treat injuries from a cycling related incident that occurs within the calendar year.

    • The limit is £750 per calendar year
    • The treatment must be reasonably and necessarily incurred for immediate relief of pain and repair of the your natural teeth arising from the same accident.
    • Proof from your dental practitioner justifying private treatment rather than the National Health Service is required.
    • The cost of any repairs to, or replacement of, dentures, dental appliances, crowns or precious metals is not covered

    You can view the RCC group policy in full for more details.

    View full policy Make a Claim

    Find out more about the benefits of being an RCC member.

    RCC Membership

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