Insurance Provided

A WCC Membership provides two types of insurance coverage:  SPORTS INJURY INSURANCE and LIABILITY INSURANCE.

SPORTS INJURY INSURANCE provides reimbursement of medical and treatment costs and compensation for personal injury and losses. This coverage is applicable only to Canadian citizens with provincial government health care, and additive to coverage by such plans.

LIABILITY INSURANCE provides legal and financial protection should another party bring a claim against a rider for losses suffered during a club activity. This insurance is intended to protect an insured party, whether an individual rider or the club, against claims for damages suffered by any other party in relation to a club activity.

•    In effect for WCC sanctioned rides or events only. A sanctioned ride is pre-scheduled on the WCC calendar and is overseen by a WCC ride leader.
•    Each participant must have a Full Membership or Single Ride Membership, with waiver signed and membership fee paid, valid for the date of a given club sanctioned ride. An Associate Membership provides no insurance.
•    Each participant must wear a helmet while riding.

Coverage Parameters


$3,000 Medical Benefits
$500 Physiotherapy Benefits
     ($50 Deductible for Medical Benefits + Physiotherapy Benefits)
$30,000 Capital Benefits (for permanent losses)
     The Applicable Capital Benefit is a portion of this $30,000 limit based on the specific loss
     20% of the Applicable Capital Benefit for any loss originating during travel to and from a club ride
     $6,000 limit for persons under 18 years of age
$2,000 Funeral Expense
$3,000 Repatriation Benefit


$10,000,000 Bodily Injury and Property Damage (aggregate)
     ($2,500 Deductible per Claim)


The interpretations above are based on an informal review of the related insurance policies. For further information, please email your request to 


Coming soon...   procedures for reporting of incidents