24/7 Optional Insurance coverage for cyclists

Personal Cycling Sports Coverage  

Through your membership with Manitoba Cycling, Cycling Canada offers insurance coverage for Liability and Sports Accident when you are participating in “sanctioned activities” (example: organized club rides approved by the MCA in advance).  Any “activities” deemed outside the core program, or not sanctioned in advance, would not be covered. 

MCA members have access to optional Liability and Accident insurance 24/7 that fills the gap outside of sanctioned activity. The exclusive coverage provides 24 /7 coverage as a result of an accident directly arising from you use of a bicycle. Key features are as follows:

A. Third Party Liability Coverage $1,000,000

Since Cycling liability claims are very prevalent especially in metropolises, we include coverage for “bodily injury and property damage” that you are legally responsible for as a result of your negligence in the operation of a bicycle anywhere in Canada.  This is valuable if you hit a moving vehicle, stationary vehicle, third party property, sign, building or even a pedestrian.  

B. Personal Accident ($25,000 or $50,000 available) 

Fracture up to  $1,000

Weekly Accident Benefit  –
 If your involved in an accident and sustain bodily injury and continuously disabled from performing your material duties pertaining to your occupation, we will pay a weekly accident benefit up to $500 per week or 75% of your annual income!  

Accidental Dental Emergency up to $2,500 

Ambulance Expense up to $2,500 

Medical Expense Reimbursement up to $2,500 

Out-of-Province Medical Charges up to $2,500 

Prosthetic Devices up to $1,500 

Funeral Expenses up to $2,500 


$1,000,000 Liability & $25,000 Accident Coverage Basic Premiums $50 

$1,000,000 Liability & $50,000 Accident Coverage Basic Premium is $100 

How to apply:


  • Proof of membership is required in order to purchase this coverage (valid 2019 license or membership)
  • Download application —–>  24 Hour Liability & Accidentand email with estimated payment to Holman Insurance.
  • Contact Peter Fetherston at peter.fetherston@holmanins.com or (905) 886-5630 Ext 1428 if you have any questions