Originally Posted by N_C
Unfair or not our insurance policy requires 2 things, participants wear a helmet & they sign a waiver. I'm sure it is in compliance with the insurance laws, otherwise it could not be a part of the policy.
Maybe things are differant in Canada then they are here in the U.S. when it comes to organized bike rides. Maybe the insurance policies & laws are differant.
If someone has signed a waiver, I see no need for the insurance company to demand helmet usage.