Originally Posted by
Marci
Never know if you don't ask. I know our group welcomes others as long as they have a helmet on. Its a rule for insurance reasons. We used to have a larger group it split when the helmet rule went into effect. One guy made a huge stink and he took half the group.
The often cited "insurance reason" for enforcing an arbitrary rule or prohibition often does smell stinky.
Who/what does your group's insurance policy actually cover on a group ride? Is it liability, medical coverage or something else?
Does it cover helmet wearing group members only, or does it also include others who join a ride as long as these non members wear a helmet?
What part of the insurance policy coverage for group members on a ride gets voided, if an unhelmeted rider is "welcomed" to tag along with the group?