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What Every Member Needs To Know About OC Insurance and Member Only Options
Who is Insured?
Ontario Cycling, its members, member clubs, teams, volunteers and any additional insured (as indicated on the issued certificate of insurance).
What is Covered?
Ontario Cycling sanctioned activities and events are included in the coverage. These may include (but are not limited to):
OC Sanctioned Competitive Events
OC Sanctioned Recreational or Social Events
OC Sanctioned Club/Team Activities
OC Sanctioned Athlete Development Opportunities
OC Sanctioned Board/Committee/Member Meetings
Coverage does not extend to:
Unsanctioned activities/events by an OC Member/Member Club/Team, or Non-OC affiliated group/organizer
Social Activities involving alcohol
Liquor liability coverage available through a separate request (at an additional cost)
| Membership Type (OC Issued) |
Sports Liability Coverage Limit (per occurrence) | Sport Accident Coverage Limit* | Eligible “Optional” Coverage Items |
|---|---|---|---|
|
Community Membership |
$5,000,000 |
$10,000 |
|
|
Challenge Membership Compete Membership UCI License |
$10,000,000 |
$50,000 |
|
*Coverage is secondary to any other existing health care plan(s).
Period of Insurance
From: January 1, 2025 12:01am
To: January 1, 2026 12:01am
Both days inclusive Local Standard Time at address of the Insured
Sports Liability Insurance
Designed to protect a person/business 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.
Sports Accident Coverage
Sport Accident is medical expense reimbursement coverage, excess of provincial health care, to help pay for medical expenses incurred as a result of an injury sustained during cycling activity.
Liquor Liability
Not covered under core insurance program. Separate liquor liability coverage is available for an additional fee – Contact OC Office
Reporting An Injury – Step by Step Guide
Immediately after an incident, submit an OC Sport Injury Report Form
Can be submitted by a Club Director, Ride Leader, Parent/Guardian, Team Manager, Organizer, First Responder or Injured Athlete
Must be submitted immediately after incident (OC must file with insurance provider within 30 days)
Have medical expenses as a result of an incident during a sanctioned activity? Contact the OC Office to obtain a Sport Accident Claim Form.
Claim form must be filed by Ontario Cycling with the insurance provider within 90 days of incident.
Only medical expenses which occurred in Canada are covered, and coverage is applicable after Provincial Health Care Coverage (Ex. OHIP) and any existing medical benefit policy the member has access to has been exhausted.
Even if you have the above coverage items, it is recommended to submit an accident claim form within the 90-day period to ensure outstanding medical expenses may be eligible to be claimed.
Email the completed Sport Accident Claim Form (Including Physician’s Statement) to Ontario Cycling.
We will confirm the incident took place during a sanctioned activity and submit the form on your behalf.
A representative from the insurance company will reach out to the injured member.
Someone from the insurance company will reach out to the injured member for next steps (usually within 5-10 business days).
If at any time during the process you have any questions, feedback or need assistance, don’t hesitate to contact our office. We are here to assist you through this process.
Contact: [email protected]
Optional Insurance Coverage Items Available To OC Members
Personal Accident Extension Program
Extend your sport accident coverage to cover you anytime while riding your bike away from your OC registered club activity or OC sanctioned event
Option | Who is Eligible? | Cost | Description |
24/7 Anytime-on-Bike | All 2025 OC Members | $120.00
Per participant per annum, in addition to standard membership charges | Provides Sport Accident Medical Benefit coverage for injuries suffered by an OC member anytime while on the bike, including during use of the bike for training and/or commuting/transportation. **This item does NOT cover physical bicycle insurance. See below Bicycle Insurance Coverage section for this option.** |
Individual Training | Challenge, Compete and UCI License Holders | $30.00
Per participant per annum, in addition to standard membership charges | Provides Sport Accident Medical Benefit coverage for injuries suffered by an OC member when participating in individual athlete training. Does NOT cover commuting or using the bike where the main purpose being as a mode of transportation. **This item does NOT cover physical bicycle insurance. See below Bicycle Insurance Coverage section for this option.** |
2025 Individual Athlete Summary
To Purchase:
Purchase with your annual OC Membership: Click HERE
Already purchased your OC Membership this season? Click HERE
Bike Insurance Coverage
The Canadian Cycling Bicycle Program is the official Bicycle Insurance Program of Cycling Canada. It is a comprehensive insurance program designed to protect your bicycle from physical damage or theft. As an OC member, you receive EXCLUSIVE member-only discounted pricing for this program.
How much does it cost?
The program can provide up to $20,000 in coverage per bicycle with a rate of $3.12 per $100 of bicycle value (based on current market value when applying for coverage)
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, cyclo-cross, fat, trike, recumbent, elliptical and tandem bikes.
Is there a difference if I use my bike for recreational or competitive activities?
For OC members, the cost of coverage is the same whether your bike is used for recreational or competitive purposes; however, you will need to indicate if you are using your bike for competitive purposes.
Are accessories covered?
Yes, most accessories are covered under this program. They would need to be declared (as would the value) when applying.
Is my bike covered when I travel internationally?
The policy territory coverage is limited to Canada and the USA (including its territories and Puerto Rico).
Want more information?
Consult the FAQ HERE
Additional Insurance Program Options
Canadian Athlete Insurance Program (CAIP) Website
Travel Medical Coverage Available:
CAIP SUMMARY TRAVEL MEDICAL COVERAGE
Additional Travel Medical Coverage:
KIRSCH FINANCIAL SERVICES
