Coverage

In general terms, CCA insurance is applicable only in those instances where accidental death or dismemberment has occurred at a WCC-sanctioned event, including travel to and from such events. If other insurance coverages are in force, they shall take precedence over the CCA insurance. The CCA policy could therefore be reasonably described as the insurance coverage of last resort. To illustrate, some potential scenarios are listed below:

Where the accident involved only WCC Member[s], with no third parties or motor vehicles involved:
CCA coverage: Comprehensive General Liability, and Sports Accident Death & Dismemberment; no coverage for property damage ie bikes or accessories.
MPI coverage: None - no insured vehicle involved.

Where the accident involved WCC Member[s] and a third party ie bicycle or pedestrian, but no motor vehicles:
CCA coverage: Comprehensive General Liability and Sports Accident Death & Dismemberment; no coverage for property damage ie bikes or accessories.
MPI coverage: None - no insured vehicle involved.

Where the accident involved WCC Member[s] and a motor vehicle:
MPI coverage: Third Party Liability Coverage, applicable if the driver of the motor vehicle was legally liable for the cyclist’s injuries or death, and/or damages to their property.
CCA coverage: Comprehensive General Liability and Sports Accident Death & Dismemberment may apply in addition to MPI; no coverage for property damage ie bikes or accessories.

MPI injury coverage is on a no-fault basis; MPI property damage, [clothing, accessories, bike etc] is on a fault basis. Their website is at www.mpi.mb.ca.

Liability:
WAIVERS: In cases of accident or injury, Membership Waivers protect CCA, MCA, and WCC Members against legal action and/or claims by other WCC Members.
D & O: Directors & Officers Insurance provides liability protection for WCC Directors ie the Executive and Officers ie Ride Leaders.  

DISCLAIMER: This data was compiled for informational purposes for Members of the Winnipeg Cycling Club. The Winnipeg Cycling Club (1988) Incorporated accepts no responsibility for the accuracy of the information presented herein. Actual coverage may vary. All decisions relating to insurance coverage, eligibility and applicability are the sole responsibility of the insurers involved.