If you have a CICA policy (about £240 a year) you're covered for ANY accident, bike racing or otherwise (virtually anywhere in the world), and they'll cover your bills, loss of earnings and pay you some cash for the privilege. Well worth it if you spend as much time as you do in the gravel
Chris Bushell is a rep for them. I have a policy and they pay out real quick and with no fuss, I got £1000 three weeks after torpedoing Mike Atack last year. I did break a nail though
