wiggydiggy
Legendary Member
I know plenty of non-professional mostly-voluntary groups that are registered charities and that doesn't say otherwise. It says they only have 4 employees, it doesn't give 3 of their roles (the only one given is CEO), it mentions other rides but not the Regents Park ones, and we don't know that any staff are even at these rides, do we? So it seems likely that most of the riders and probably most of the organisers are volunteers.
That doesn't sound easy or like anything is being verified. How could it be verified? If a random volunteer phones up some insurer and says "do you insure Freda Bloggs?" then would they give an answer anyway?
They can put whatever they like in the T&C but without any viable way to verify insurance, that's pretty much just theatre. Also, would it be a fair term in a contract for the organiser to force purchase of particular insurance, or indeed any insurance? Ultimately, the victim still has to claim damages from the person who did the damage and it's up to that person to involve their insurer if they have one.
To be fair it doesn't really matter if they are professional by any set definition or not, they organised a group ride on a public road and someone was injured by one of the riders. Thats all I can really go on so thats why I do think if you are organising rides in any capacity beyond asking your mates to go for a ride, then some sort of public liability insurance is a good idea.
I don't think its theatre to get riders on their events to agree that they have the relevent insurance in place or to agree to abide by the Highway Code (and relevent laws), its again just asking sensible question so that in the event something goes wrong they can show they have taken steps to plan for that.
In any case this time it is the riders fault, he chose to disobey the traffic laws and even if the organisers and himself had insurance, and he had agreed to T&Cs (whatever they may be) it didn't stop him running down the victim.