The ABA purchases insurance through Holman Insurance.
All information, explanations and forms can be found at the Canada Cycling Insurance program website found here.
How to report a claim
If an incident and / or accident occurs, it must be documented and recorded immediately.
If there is personal injury or property damage the CCA must be notified immediately.
A CCA Accident Report should be the minimum level of documentation. Additional documentation of witness statements, list of names involved, photos of the scene would make an exceptional report. Reporting should be as in depth as possible as most litigation is brought forward years after the incident when club members with a memory of the incident might not be around anymore.
Education and Instructional Liability app - use for Canbike and Let's Ride
Cycle Shop Insurance CC Members shops get a discount for store insurance.
Out of Country Medical Forms:
Organizer insurance forms and information can also can be found here
2020 Alberta Bicycle Association Insurance Coverage
Insurance for our cycling members is arranged through a collaborative effort between a number of provinces in Canada. Provinces under the program include Alberta, Yukon, Saskatchewan, Manitoba, Ontario, New Brunswick, Newfoundland & Labrador and PEI.
There are several different types and levels of insurance available under this policy, each with its own use and purpose. Most of this coverage is included as part of your membership dues. Below is a brief description of the various types of coverage and whether they are included as part of your membership dues or available for an extra fee. ……………………………………………………...
5 MILLION CGL (Comprehensive General Liability): Competitive Activities
Members of the Alberta Bicycle Association are covered under the 5 Million Comprehensive General Liability. This insurance is designed to protect a person against legal responsibility arising out of a negligent act or failure to act as a prudent person would have acted to which results in bodily injury or property damage to another party. Any individual in your activity can claim damages as a result of an injury. Even though you may not be negligent in your actions, defense costs alone can be financially devastating. The policy will provide protection for both legal defense costs and any compensatory damages that may be awarded, subject to the limits and conditions of the policy, transferring your risk to an insurance policy provides you the opportunity to run your activity with peace of mind. The higher limit is due to the competitive nature of cycling activities. Please refer to https://cyclinginsurance.ca/liability-insurance/ for an outline of the coverage and exclusions. Included with club or independent membership dues
AD & D (Accidental Death and Dismemberment)
Accidental Death and Dismemberment coverage means you would receive a lump sum payout in the event of an accident resulting in death, dismemberment, paralysis, loss of use, sight, speech or hearing under the conditions outlined in the policy. Combined with other forms of insurance, it offers an added layer of protection. A summary of this coverage is available here.
Excess Medical Coverage for Out of Country
It is recognized that training and competition requires travel outside of local areas and may require travel outside of province or country. The Excess Travel Medical insurance helps reduce the risk of unforeseen travel medical expenses.
The Excess Travel Accident insurance will pay for reasonable and customary medical expenses actually incurred by a registered member for those services which are medically necessary and required by the registered member while outside of their home province or outside of Canada, as a result of an emergency and as a result of injury or sickness.
It is strongly recommended for all members intending to travel outside of their home province or outside of Canada who are participating in sanctioned cycling activities. Unlike virtually all off the shelf travel medical insurance, the coverage recognizes that the insured is travelling to participate in sanctioned cycling activities.
The Provincial / Territorial Association must arrange this coverage through the Broker Holman Insurance. An application is required which provides the Name of Member, Name of Event, Date and number of days the member will be out of country, including the days traveling to and from the event.
Coverage for bicycles is available, which includes all perils for physical damage, theft of your bicycle, crashing your bicycle (even while racing) and accidental damage, up to values of $25,000!
Territorial Limit Canada and the USA
Bikes at home, events and in a transition area at a race / event are not excluded
purchase price up to 2 years (“new for old”)
includes theft, vandalism, crash, and storm damage
No exclusion on loaning to a family member
Not included as part of membership dues – extra cost is based on bike value
For more information please visit https://cyclinginsurance.ca/bicycle-insurance/
Personal Cycling Insurance
Participating Cycling Associations members only have insurance coverage for Liability and Sports Accident when they are participating in “sanctioned activities”. Any “activities” deemed outside the core program, would not be covered. To cover this gap, there is an optional Liability and Accident policy which fills the gap that members may purchase.
This exclusive coverage provides 24/7 coverage as a result of an accident directly arising from your use of a bicycle.
Not included as part of membership dues
For more information please visit https://cyclinginsurance.ca/personal-cycling-coverage/