Cycling Canada Insurance Program

What does the liability policy cover?

It would be lengthy to list all the insuring agreements under the policy but, in many cases, inquiries relate to the concept of Liability Insurance.

Who is insured?

All employees, volunteers, officers, directors, coaches, managers, officials, member participants, and auxiliary workers while acting within the scope of their duties on behalf of their respective association re insured.

What is a sanctioned event?

Sanctioned events include all competitions or sports demonstrations run by participating associations or by member clubs in good standing authorized by their respective association, including related training at sites of events and club premises.

What is considered training under the liability policy?

Liability doesn't provide 24-hour coverage. All training activities must be documented and approved by the appropriate association. Commuting and recreational cycling activities (e.g., riding bike to the store) aren't considered training.

What if I have the expanded sport accident coverage?

If you purchased this optional expanded coverage, you don't need to document your training activity with the appropriate PPA. You have the freedom to train at your own convenience.

What is the definition with respect to a member of the insurance program?

The insurance is based on the "reported" member's names on file with the respective associations. The membership numbers are reported to the insurance brokers' office of Arthur J. Gallagher Canada Limited.

What activities are covered?

All sanctioned and approved cycling activities including competitions run by clubs who are members in good standing.

Can we have events with non-member participants?

Yes, provided the event is sanctioned and the ratio of non-members is within the parameters set by the provincial association. Insurance benefits only extend to members, however; if a non-member is named individually in a lawsuit, that person won't be defended by the liability policy.

Can a non-member be signed up as a club member at the time of the event?

Yes, if the waivers are signed, insurance premium is collected, and these individuals are included in the reported membership numbers to the provincial association for the insurance program.

Does the policy provide 24-hour coverage?

No, coverage applies only while participating in a training program, sanctioned tour, competition and traveling to and from the program, which is approved by and under the supervision of proper authority of the provincial association or club of which the Insured is a member.

Is it possible to expand this coverage to include individual, non-sanctioned training activities (members training on their own time)?

Yes, for an additional fee, the sport accident coverage can be extended to cover individual training activities. Contact your association for details.

Does the sport accident policy cover members participating in training camps outside of Canada?

Yes, as long as it's a sanctioned training camp, the policy will cover medical expenses incurred upon return to Canada. Expenses incurred abroad will require travel medical coverage.

Personal belongings of members, including bicycles, aren't covered automatically. However, Gallagher has a bike insurance program where members can pay an additional premium to insure their bicycles. Visit bicycle.gallagherprogramsca.com to buy coverage (currently only available in English).

What is the Canadian Cycling Bicycle Program?

The Canadian Cycling Bicycle Program is the official bicycle insurance product of Cycling Canada . It's a comprehensive insurance product designed to protect your bicycle from physical damage or theft, provided via process that is fast and easy to use. Coverage can be purchased in mere minutes at bicycle.gallagherprogramsca.com (currently only available in English).

Eligibility

What provinces are eligible?

The comprehensive bicycle insurance plan is available in all Canadian provinces and territories except Quebec.

Is there an age requirement?

The Canadian Cycling Bicycle Program is available to adults 18 years and older. Once enrolled, the bicycles are covered when used by the insured or family members of the household.

Cost

How much does the comprehensive bicycle insurance plan cost?

The comprehensive bicycle insurance plan can provide up to $20,000 in coverage per bicycle. For a $10,000 bicycle, prices are:

• $29/month for casual use
• $31/month for competitive use
• $26/month for Cycling Canada members, regardless of use.

Is there a deductible?

Yes. The deductible is $250 for bicycles valued at $10,000 or less, and $500 for bicycles valued $10,001 - $20,000.

Is there a discount for Cycling Canada members?

Yes.

Coverage

What is covered?

The Canadian Cycling Bicycle Program will cover your bike for physical damage (including during races if selecting the competitive use option) as well as theft. This coverage includes accessories as well as the bicycle itself.

What types of bikes are covered?

The Canadian Cycling Bicycle program covers new or used bicycles powered by human peddling, such as road, triathlon, mountain, gravel, e-bike, cyclocross, fat, trike, recumbent, elliptical and tandem.

Are eBikes covered?

Yes, the comprehensive plan provides the same coverage for eBikes.

Are accessories covered?

Bags, bottle cages, cameras, lights, computers, radar and other accessories can be included in the Bike Accessories section of the application form. Include the value of these accessories in the bike's overall value. You can also list non-stock attached components.

Are medical expenses resulting from an accident covered?

This policy only applies to damage to the bicycle.

When does bike insurance cover my bicycle?

The Canadian Cycling Bicycle program reimburses you for repairs to your bicycle due to accidents when riding and insured new or used bicycle powered by human peddling on land in Canada, as well as the United States of America and its territories and possessions, including Puerto Rico. This includes transit cover on every covered bike.

What types of rides are covered?

The comprehensive insurance plan covers a wide range of rides, from casual to competitive and road to off-road. Whether riding solo or with a group, commuting to work, participating in a Gran Fondo, race, or charity event, your bike is covered.

Can I insure more than one bicycle?

Yes. When you have completed the application for one bicycle, you'll see an option to add another bicycle.

Am I covered during competitive cycling?

Competitive rides are covered if you select the "competitive use" option on the application.

Is my bike covered when I travel internationally?

The policy territory coverage is only within Canada, the United States of America and its territories and possessions, and in transit therein.

Claims and cancellation

How do I submit a claim?

Submit claims through the portal or by emailing CanadianCyclingBicycleProgram@ajg.com

How much does the insurance pay for accidental damage?

Coverage for up to $20,000 is available with a $250 or $500 deductible. In the event of an accident, the policy will pay the amount necessary to repair the insured bike up to the value of the bicycle as listed on the application.

If the bicycle won't be repaired, the policy will pay the amount necessary to replace the bike with a current market bike substantially similar to the kind and quality, less the deductible, up to the limit selected.

How much will insurance pay if my bike is stolen?

If the covered bike is stolen, the insurance will pay the amount necessary to replace the bicycle along with any listed attached accessories, with a bike substantially similar to the kind and quality, less the deductible, not exceeding the limit selected.

How do I cancel the policy?

You can cancel the policy through the same portal you used to enroll. Simply go back into your account and click on the policy cancellation button. The recurring monthly payments will be automatically and immediately cancelled.