bluedazzler":37zn3820 said:
so when I join you guys on a ride, I'm insured against personal accident by British Cycling?
In short no you aren't. The insurance cover is gives Third Party Liability cover. It does not cover specific individuals. If you want your own personal cover I suggest that you look at BC or CTC membership. The insurance is there to protect the group from any third party who is involved in an incident which results in them pursuing a case against Retrobike.
However, as RB does not ask for any affiliation fees or subscriptions, technically all ride participants are actually 'third party' participants. As such the
ride is protected from any individual claim from any individual participant.
In effect the insurance is there to protect Retrobike from the ride participants. But there is a duty of care and there are of course terms and conditions to be fulfilled by the organisers and by the ride participants so as not to invalidate that insurance cover.
Now obviously we want everyone to have a safe and enjoyable ride, and we do put an emphasis on making sure that we minimise risk by performing recce rides, highlighting any tricky or potentially dangerous sections, careful route selection, managing the group, carrying first aid kits, completing a risk assessment... etc... etc...
... and asking people to wear a helmet.
All of these are proven methods of reducing risks in what is a risky pastime.
Some road club rides may not insist on helmet wearing, perhaps as road riding is seen as less risky in terms of a potential head injury.
It comes down to the clubs individual policy and risk assessment for that particular activity.
In terms of Retrobike. The fact that we ride old bikes, with limited or no suspension, with old tyres and not so powerful brakes on rough terrain, probably increases the likelihood of a crash. Therefore the 'no helmet : no ride' policy is probably a wise precaution.
Now all of this may see to rally against the carefree, individualistic and even rebellious approach that many take when mountain biking. Riding a bike is a great source of personal freedom afterall. But by taking these steps, Retrobike is as prepared and protected as it can be should an incident occur on a ride.
In short, the BC insurance cover gives some protection and therefore the confidence to be able to actually go ahead and organise rides for almost anybody to attend.
In terms of wearing a helmet, as Ken says, it's a small compromise to make if you want to join a ride somebody else has organised.
Plus I hate getting blood on my hands from an otherwise avoidable head injury.