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We’ve got you covered

For 2022, 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

Membership to the Rapha Cycling Club includes 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 2022, 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. Only the following items are covered by the policy. Anything not listed below, including loss or damage to your bike(s) or third party liability is not covered.

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
    Damage to mobile phones must occur whilst the phone is being used to track or record your ride.
  • 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
  • h) spine - £2,000

  • 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 (must be submitted in conjunction with an approved injury claim)

  • 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. Subject to a £50 excess per incident, payable by you.

  • 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. Subject to a £50 excess per incident, payable by you.

  • The limit is £750 per calendar year
  • The treatment must be reasonably and necessarily incurred for immediate relief of pain and repair of 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

Road Rash Cover

 

If you have a crash whilst riding, you're covered up to £25 for costs incurred to treat road rash.

  • Road rash claims must be submitted in conjunction with an approved injury claim.
  • Items must be purchased within 48hrs of the crash.
  • This is limited to items specifically aimed at treating road rash.
  • Proof of purchase and injury must be shown.

Helmet Cover

 

If you crash whilst riding and damage your helmet, you're covered up to £250 to replace it. Subject to a 20% excess up to £50, payable by you.

  • You can make 1 claim per year.
  • Helmet crash replacement schemes must be used where possible.
  • Proof of purchase must be shown.
  • You must own the helmet
  • Damage that was not sustained in a crash is not covered.
  • Helmets purchased more than 2 years ago are not covered.
  • Lost or stolen helmets are not covered.
  • Minor cosmetic damage and wear and tear is not covered.

Bike Luggage Cover

 

If you're travelling outside your home country with your bike bag or bike box and it gets lost or damaged in transit, you're covered up to £500 to replace it. Subject to a £50 excess per claim, payable by you.

  • You can make 1 claim per year.
  • The bag or the box must be specifically designed for transporting a bicycle.
  • You must be travelling outside of your home country.
  • The bag or box must be damaged whilst in transit.
  • You must own the bag or the box.
  • You must provide proof of purchase for the luggage.
  • Loss or damage is not covered if the luggage was purchased more than 2 years ago.
  • Damage that does not affect the structural integrity of the luggage is not covered.

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

View full policy

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

RCC Membership

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