From the Serious Cycle Scheme website: "With cycling becoming an ever more popular hobby and mode of transport for many in the UK, more and more serious road accident related injuries are being reported. In fact, the number of serious injuries and fatalities has increased consistently since 2008. With that in mind and as a group of passionate cyclists, we launched the Serious Cycle Scheme in 2015. As a member of the scheme, which is provided in association with Serious Cycle Scheme’s corporate partners, and is free to join without obligation, you and your family and friends will be provided with up to £150,000 of cover for legal costs should they be involved in a road traffic accident whilst cycling."