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If I am Racing in British cycling insured event, am I cover if I have a accident or do I need race insurance to cover me for that?
For what?
You get 3rd party liability insurance, so if you crash into and injure a spectator, you're insured. No personal injury insurance or equipment insurance though.
That's what I wanted to know thanks
You get 3rd party liability insurance, so if you crash into and injure a spectator, [s]you're[/s] [b]the event organiser is[/b] insured. No personal injury insurance or equipment insurance though.
you are still liable for your actions
If you race in a BC event, you will either need BC membership of some type + race license and/or to pay for temporary membership/race license on the day. This will include 3rd party insurance for you against causing injury/damages to someone else.
Any organiser of an event will need 3rd party liability insurance for the event, in case they are sued - but this is different to the insurance you will be sold as part of your entry fee if required.