While membership dues (which includes an insurance portion) is collected at the Provincial level, the policy itself is administered at the National level in order to benefit from the economies of scale due to pooling everyone under one central policy.

There are several different types and levels of insurance under this policy, each with its own use and purpose. Most of this coverage is included as part of your membership dues.

For more information, please consult the Canadian Cycling Association National Insurance Program website hosted by Jones Brown Insurance Brokers & Consultants:

http://www.jonesbrown.com/jonesbrowncycling/jbcycling.php

And/or

Contact your Provincial / Territorial association:
www.canadian-cycling.com/cca/about/community/prov_org.shtml