Do Cyclists Need Insurance in Alberta?
Cycling is one of Alberta's fastest-growing modes of transportation — affordable, healthy, and environmentally friendly. But when an accident happens, many riders are shocked to learn that insurance coverage isn't automatic.
Unlike drivers, cyclists aren't required to carry auto insurance. However, having the right protection can make the difference between a smooth recovery and years of financial strain.
As Alberta injury lawyers who regularly represent cyclists, we know how confusing the insurance system can be. This guide explains what coverage cyclists may already have, what optional protection is available, and how to recover compensation after a crash — with or without insurance.
This guide covers:
Are Cyclists Required to Have Insurance in Alberta?
No. Alberta law does not require cyclists to carry insurance to ride on public roads. A bicycle isn't a registered motor vehicle, so riders don't need auto insurance, registration, or licence plates.
Understanding Coverage Sources:
What Insurance May Already Cover Cyclists
Many Alberta cyclists are already insured without realizing it. Coverage can come from:
Your Automobile Policy
If you own a vehicle, your Section B medical and disability benefits usually cover you when injured as a cyclist — even if your car wasn't involved. This can include coverage for medical expenses, rehabilitation, and lost income.
A Family Member's Policy
If you don't own a car, you may still be covered under a spouse's or parent's auto insurance policy. These policies often extend benefits to family members, providing a safety net in case of a cycling accident.
Home or Tenant Insurance
These policies often include liability protection. If you accidentally injure someone or damage property while cycling, your home or tenant insurance may cover the legal costs and damages, protecting you from significant financial burden.
Health and Disability Benefits
Extended medical or workplace plans can be a vital source of support. They may cover physiotherapy, prescription medications, income loss due to inability to work, or mobility aids required after a cycling injury.
Understanding these layers of coverage ensures you don't miss valuable benefits after an accident.
Steps to Take After a Bicycle Accident
Your actions immediately after a bicycle accident can protect your health and strengthen your claim.
Call 911
Report the collision to police.
Seek medical treatment
Right away — even minor injuries can worsen.
Take photos
Of the scene, your bike, and your injuries.
Get driver and witness contact information
Collect names and contact details from all parties involved.
Request the police report number
This helps you obtain the official report later.
Avoid speaking with insurers
Before consulting a lawyer.
Notify your auto or home insurer
Promptly if you have coverage.
Contact an Alberta bicycle-accident lawyer
To protect your claim.
How a Lawyer Helps With Bicycle Insurance Claims
Cycling accident claims can involve multiple insurers — each trying to limit their payout. A lawyer ensures you don't fall through the cracks. We:
Identify all available insurance policies
Auto, home, MVAC, employer — ensuring you access every available benefit.
File and manage accident benefit applications
Handling all paperwork and deadlines to secure your benefits.
Collect medical and financial documentation
To support your claim and prove the full extent of your losses.
Negotiate directly with insurers
To secure full compensation and prevent underpayment.
Pursue litigation if needed
If insurers deny coverage or underpay, we'll take your case to court.
Case Example
A commuter cyclist in Edmonton was hit by a car and suffered a fractured wrist. The driver fled the scene. We accessed coverage through the MVAC program and the client's homeowner's policy, recovering $185,000 for medical care and lost income.
Frequently Asked Questions
Conclusion
Cyclists don't need insurance to ride in Alberta — but having coverage can make a world of difference after an accident. Whether protection comes from your auto policy, home insurance, or a special cycling plan, knowing your rights ensures you're never left unprotected.
Get medical care immediately
Gather evidence and witness details
Notify any insurers that may apply
Contact a lawyer early for guidance
Don't assume you're not covered — call today for a free case review.
Contact us today for a free consultation. No fee unless we win.