Third Party Insurance

A woman in a dress riding
All CTC members are covered by Third Party insurance
If you want to guard against claims made by others for any accidental damage caused by you or your cycle, you may want to consider CTC's Third Party insurance.

CTC members are automatically covered up to £10 million by this policy, including using cycles for business use. But note that you are NOT covered if you are specifically employed as a cyclist, for example as a bike messenger.  It is not possible to buy this policy separately from CTC membership, although members of affiliated clubs can take it out at reduced rates.

Members of bodies that affiliate to CTC can obtain our Third Party insurance at a discounted rate, which covers them against any damage or injury they cause whilst riding their bikes, whether with the affiliated body or not. It does cover individuals who cycle in time trials and sportives but not in any other kind of competitive cycling.

If you think you have been involved in an incident that may lead to  a claim against you under CTC's Third Party insurance, please contact our Accident Claims Line on 0844 736 8452 as soon as possible.

Please note that CTC is not FCA regulated and cannot assess individual needs for insurance. You will not receive advice or recommendations from CTC about them.  Read the fact sheet and FAQs below carefully to decide which policy suits your requirements.  If you are still unsure, ring our brokers directly on 0151 494 4400.


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  • Chief Executive: Paul Tuohy
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