Why do you need third party liability insurance for cycling?

Third-party liability insurance offers essential protection against claims made by others for damage or injury you may cause while cycling. It provides legal protection from potential lawsuits and financial burdens.

What does Clarion Cover third party liability insurance cover?

The policy covers a wide range of cycling activities including commuting, general leisure riding, sportives, reliability rides, and time trials. Note that bunched races are not covered.

What is the limit of indemnity for the insurance?

Clarion Cover provides robust coverage with a maximum limit of £5 million per incident.

Is the insurance valid outside the UK?

Yes, the insurance offers global protection and covers you worldwide, with the exception of the USA and Canada.

MEMBERSHIP BENEFIT - 2026

£5 Million Third-Party Cycling Insurance - Included in Your £20 Membership

Join the London Clarion Cycle Club for £20 a year and your membership includes £5 million of third-party liability cycling insurance, arranged through our national body, the National Clarion Cycling Club. You get a friendly , 130-year-old London club to ride with - and serious financial protection comes as part of the deal.

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Membership Benefits

Why Third Party Cover Matters in London

Whether you're commuting through central London or heading out to the lanes at the weekend, third party liability insurance protects you against claims made by others for damage or injury. If the worst happens, legal and compensation costs can run into thousands of pounds - cover means an accident doesn't become a financial catastrophe.

What Does Clarion Cover Include?

The insurance comes with membership of every Clarion section nationwide and is underwritten by Royal & Sun Alliance (RSA). As a London Clarion member you get::

£5,000,000 Liability Limit: The Maximum coverage per incident for damage or injury caused to third parties.
Commuting and leisure riding - covered on your daily commute along busy TFL cycleways and on weekend club runs into the Surrey Hills alike.
Sportives & Events: Cover extends to sportive, reliability rides and time trials. Mass start and bunched racing are excluded.
Riding Abroad - worldwide cover, excluding the USA and Canada.

Always check the current policy wording for exact terms - see the note at the foot of this page.

Real-Life Scenarios: Why London Riders Need Cover

Even the most experienced riders face unpredictable hazards on busy city streets. Third party cover protects you in situations like these:

Hackney - You swerve to avoid a pothole and clip the wing mirror of a parked car, scratching the paintwork.
Soho - A pedestrian steps off the pavement without looking, and the resulting collision leads to medical and legal costs.
Richmond Park - You hit a slick patch of wet leaves on a shared path, causing another cyclist behind you to crash and damage their expensive carbon frame.

The Club Is The Point - The Insurance Is The Bonus

Plenty of people first find us while comparing cycling insurance, but the membership is what they stay for. Founded in Clapham in May 1895, London Clarion is one of the Capital's oldest and most welcoming cycling clubs, with 180+ members and a motto we still ride by: Fellowship Is Life.

Your £20 annual membership also brings:

Regular Group Rides: Routes and paces for a variety of skill levels, starting right here in London.
Social Events: Meet like-minded cyclists off the saddle.
Exclusive Club Kit: Access to our high-quality club shop.
Heritage: Become part of the historic Clarion movement, advocating for accessible cycling since 1895.

Frequently Asked Questions

Is this a standalone insurance policy? No. This is a complimentary benefit of becoming a member of the London Clarion Cycle Club. The £20 pays for your 2026 annual club membership, which automatically includes the insurance.
When does my coverage start? Your insurance is active the moment your membership payment is processed and confirmed.
Does this cover theft or damage to my own bike? No. This is third-party liability insurance. It covers the costs if you damage someone else's property or cause injury to another person. It does not cover the theft of your bicycle or damage to your own equipment.

Where can I read the full policy wording?

The full policy document is held by the National Clarion Cycling Club. Members can request the current wording from the Club Secretary - always check the policy document itself for exact terms, conditions and exclusions.

About this cover: the third party liability insurance described on this page is arranged by the National Clarion Cycling Club for members of all affiliated sections, including London Clarion, and is underwritten by Royal & Sun Alliance (RSA). London Clarion Cycle Club is a members club, not an insurance provider, and does not sell, advise on or arrange insurance. This page is a summary only - the policy document contains the full terms.