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.

Included with our Race Gold membership, this is a particular kind of insurance cover that provides cash payments if you are hospitalised overnight. Lump sum payments are also provided for death and permanent disability but loss of earnings and medical expenses are not covered under this policy.