Originally Posted by
I-Like-To-Bike
I can believe that club rides as you describe are risky business and provide good opportunities for cycling fools to show their "stuff."
I wonder what a bike club insurance policy would actually pay out for injuries to the helmeted club participants on a club ride. I suspect the policy only covers club officials from lawsuit against them from its own club members and/or the ride participants.
Our club has insurance and requires a helmet be worn since the insurance is for the rider.