Insurance

BNS Rider Insurance 


Bicycle Nova Scotia has a long history of providing insurance coverage for BNS members, which is one of the major benefits of BNS membership. Over the years, we have built our insurance policies to ensure we are providing the best possible coverage for our members, whether they are riding with an associated club or on their own. 

Since 2018, we have offered Accidental Death and Dismemberment (AD&D) coverage to our members on all their rides – whenever and wherever! Members are covered on all rides within Canada: whether training, touring, commuting, or otherwise. We hope that this provides some comfort while riding roads and trails in Nova Scotia.

Who’s covered?

All BNS memberships carry this coverage. Participating Associated Clubs can also buy in to provide coverage for their members. While, One Event Memberships (OEMs) are available for events and races and cover non-members for the duration of a single event, OEMs do not provide AD&D Coverage for the event.

Why do BNS members need insurance?

A person who has paid for insurance receives coverage when they have injured themselves on a causal ride, during their commute, while training or in competition. Pretty much any time you ride your bike! The insurance policy purchased by BNS provides coverage for fractures, physio, and lost wages depending on the scenario. Check out the Incident Scenarios section below to read some examples. The costs recovered from insurance coverage when an incident has occurred will reduce the financial burden on the member. 

Disclaimer: The actual policy(ies), including any endorsements, determines coverage. The policy contains terms, conditions, limitations, exclusions, and other provisions not referenced (or only briefly summarized here). 

 

FAQ for BNS General Members

What are the insurance fees for General Members? 

 

Insurance coverage costs are built into the membership fee for General Members of BNS. 

 

Our membership fees are pro-rated, so that if someone joins midway through the year, they are not paying the premium for the time that they were not BNS members. 

 

Prorated membership fees are as follows:

  • January to March: $25.00 insurance premium + $25.00 General Membership = $50.00
  • April to June: $18.75 insurance premium + $21.25 General Membership = $40.00
  • July to September: $12.50 insurance premium + $17.50 General Membership = $30.00
  • October to December: $6.25 insurance premium + $13.75 General Membership = $20.00 

 

  1. Are there any coverage restrictions? 

 

Yes, the following restrictions apply:

 

  • Activity: Only cycling activities are covered. 
  • Geographic: Only cycling activities in Canada are covered. 
  • Age Restrictions: Only cyclists 80 years of age and younger are eligible for AD&D coverage. For this reason, for individuals over 80 premiums are reduced by half the amounts. This reduced premium goes towards the club general liability insurance coverage. 

 

Can BNS members opt out of insurance coverage? 

 

No. Individual members who join BNS are required to be part of our insurance program; we have worked hard to make this a key benefit of BNS membership. 

 

Will this act as a primary or secondary insurance policy for members?

 

For members who already have AD&D coverage through personal insurance, this will act as a secondary policy and cover any gaps in coverage. For members without an existing AD&D policy, this will act as a primary insurance policy. 

 

Can I ride on a club ride if I am a General BNS member but not a member of the Affiliated or Associated Club? 

 

This is at the discretion of the club. Generally, clubs will require you to become a club member. To participate in club events, most clubs are happy to let new riders try out a ride to ensure that the club is a good fit before the rider joins the club. BNS recommends that you contact the club prior to the ride to discuss the ride with the potential rider. 

 

If I have a General Membership, do I need to pay the insurance premium again when I join an Affiliated or Associated Club? 

 

No. Members are only required to pay the insurance fee once. 

 

If a BNS member is injured, what is the process for making an insurance claim? 

 

Contact BNS and we will call to submit claims directly to the insurer. Our Administrator will then contact Marsh Canada, the insurance broker, to notify them about the claim.

 

Does the insurance policy cover damages to my bicycle and bicycle accessories? 

 

No. The insurance policy only covers injuries, not private property damages. 

FAQ for Associated Clubs

Coverage for Affiliated Clubs

 

Affiliated Clubs primarily focus on fitness, training and competition. Typically Affiliated Clubs have weekly rides and ought to have certified coaches that can improve the performance of their members. These clubs benefit from registering with BNS by having our liability coverage extend to regular training rides, larger group events, or race events. BNS can handle member registration for Affiliated Clubs and can even charge club fees that are remitted to the club on a quarterly basis.

 

Affiliated Club annual fees are $117.00. In order to extend BNS’s liability coverage, all Affiliated Club members must be BNS members.

 

Coverage for Associated Clubs? 

 

Associated Clubs ride for recreation, camaraderie and to explore Nova Scotia! Associated Club typically carry their own liability coverage and handle their own registration.

 

Associated Clubs who would like to join BNS are required to pay a $110 club membership fee. This fee covers a number of administrative costs, helping us to represent all cyclists in Nova Scotia. It also ensures that we are promoting your events and activities through our communication channels. It also allows Associated Clubs to opt-in to BNS’s AD&D coverage.

 

Insurance costs for Associated Clubs who choose to participate in the BNS insurance program are based on membership numbers. Clubs must submit membership numbers to BNS and BNS will invoice the insurance premium. Since this year’s insurance policy offers discounts for partial year memberships, this reporting must be completed on a quarterly basis. Insurance premiums are noted below. Please note that these values are the direct cost that BNS is charged by our insurance provider. BNS does not charge Associated Clubs any additional fees outside of the Club fee to help offset administrative time required to oversee the insurance program. 

 

  • January to March: $25.00 per member 
  • April to June: $18.75 per member 
  • July to September: $12.50 per member 
  • October to December: $6.25 per member 

 

Are Associate Clubs required to participate in this insurance program? 

 

No. Associated Clubs have the ability to opt-in to the insurance program if they wish. Clubs who elect to opt-in to coverage should contact BNS to arrange coverage. Clubs who do not wish to participate will be responsible for arranging their own insurance coverage but should be clear with their members on what their insurance does cover. 

 

Is it compulsory for all club members to participate in this coverage or will members have the choice of opting out? 

 

It’s recommended that Associated Clubs that have opted-in to the program provide coverage to all their members.

 

Do cyclists who are members of more than one club need to pay the insurance fee multiple times? 

 

No. Members are only required to pay this fee once. 

 

When does insurance coverage take effect for Associated Clubs? 

 

General liability coverage for the Associated Club takes effect from the date the Club pays its club membership fee to BNS. AD&D coverage for individual club members takes effect on the date the member joins the club. 

 

Are Associated Clubs required to use the BNS approved waiver?

 

No. We understand that many clubs have their own waivers that they have used for many years and have developed a level of comfort with. Clubs may use these alternate waivers, but are required to submit their alternate waiver for review and approval by the insurance company. 

 

Can our club use this insurance policy to host a special event open to non-members?

We recommend that you contact BNS to discuss special insurance coverage for events where the majority of participants are non-members. One Event Memberships are not intended for these types of situations. 

 

Will this act as a primary or secondary insurance policy for members?

For members who already have AD&D coverage through personal insurance, this will act as a secondary policy and cover any gaps in coverage. For members without an existing AD&D policy, this will act as a primary insurance policy. 

 

If a BNS member is injured, what is the process for making an insurance claim?

Contact BNS and we will call to submit claims directly to the insurer. Our Administrator will then contact Marsh Canada, the insurance broker, to notify them about the claim. 

 

Does the insurance policy cover damages to my bicycle and bicycle accessories?

No. The insurance policy only covers injuries, not private property damages. 

Incident Scenarios

BNS has worked with our insurance broker (Marsh Canada) to add to the insurance we offer and we are thrilled to be able to provide additional coverage to all of our members – no matter where, when, or how you bicycle. 

Here are some examples of injuries that might happen while cycling and explanations on how our insurance will benefit BNS members. 

Scenario 1: An employed mother of 2 was hit while on a recreational cycling trip in British Columbia. She has three broken vertebrae and a broken leg and will not be able to return to work for 6 months. In this case, our insurance would cover: 

  • Fracture benefits for broken leg: $1000 
  • Reimbursement for physio expenses up to: $3000
  • Weekly expense reimbursements to cover lost wages, to a total of: $2400 

Scenario 2: A retired government employee is commuting to a volunteer position. He has no dependents and is on a government pension plan, getting the Canada Pension Plan and on Old Age Security. He was hit by a car on the way and continues to have back and shoulder pain. Our insurance would cover: 

  • Reimbursement for physio expenses up to: $3000 

Scenario 3: An 18-year-old student was cycling to her part-time job and hit a pothole. She had several injuries that preclude her from being part of her studies for a year. Our insurance would cover: 

  • Reimbursement for physio expenses up to: $3000 
  • Tuition expense benefit up to: $3000 
  • Weekly expense reimbursements to cover lost wages: $100/week 

Scenario 4: An entrepreneur running their own business is on a training ride with friends when their tire explodes. They have a severe concussion and a broken wrist and it is unclear when they will return to work. Our insurance would cover: 

  • Fracture benefits since she broke her wrist: $1000 
  • Reimbursement for physio expenses up to: $3000 
  • Weekly expense reimbursements to cover lost wages: $100/week 

Additional Information 

  • For scenarios involving two people, the coverage would be related to the negligence of a person causing the event.
  • The policy only covers activities for people cycling. They can participate in unsanctioned rides, but not other non-cycling related activities.
  • The AD&D policy would come into play after other personal insurance policy coverage is used (for example, medical). 
  • The policy outlines specific details including costs, which will not be provided until the policy is sent to the BNS Administrator. 
AD&D Insurance: Summary of Coverages

To read more about the Accidental Death & Dismemberment coverage, you can review our 2020 Summary fo Coverages by clicking here (PDF file attached).

For more information

Please contact our Organizational Administrator, Steve Bedard, at admin.staff@bicycle.ns.ca or (902) 425-5454 ext. 228, if you have any questions.

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