CYCLING TRAVEL INSURANCE

Not always, some policies will only include cover for recreational cycling. Our policy can cover a large range of cycling activities including road cycling, downhill mountain biking, and cycle touring.

There is some cover for your bike, or a bike hired to you on your trip, under the standard cycling policy. However, if needed, you can add on additional cover up to maximum £5,600 against theft or accidental damage.

You must declare any medical conditions to us if have been hospitalised or under investigation during the past twelve (12) months for any of the following:

• Any heart/ cardiovascular issue(s)
• Any seizure/ cerebrovascular related issue(s)
• Any auto-immune issue(s)
• Cancer of any type
• Have any serious or terminal illness
• Have scheduled treatments or surgeries or anticipate the requirement for imminent medical or surgical treatments

We can almost always offer cover at no extra cost, but occasionally our underwriters may apply special terms to medical conditions declared if you subsequently need to make a claim relating to your condition.

Yes, search and rescue operations are covered should you need them during a cycling holiday, from £15,000 to £50,000 depending on the level of cover you take out with us.

Yes – we cover sports equipment from £200 to £600 depending on your level of cover. For an additional premium, we can offer cover up to £5,600.

Yes – our bronze level policy offers up to £150 towards race fees, our silver level up to £300, while our gold level covers up to £500.

Our policy covers you for the region you select when taking out the insurance policy with us, providing you are not more than one-hundred and fifty (150) kilometres from the nearest habitation. If you travel outside of this region, the insurance cover will not apply.

Our policies will cover anyone up to the age of 74 at the time of purchase. An applicant aged 75 or over cannot be covered.

Yes, we can cover for amateur competitions and sportives. Please contact us if you have any questions regarding specific events.

We can provide cover for up to £5,600 of sports equipment including electric bikes or e-MTBs maximum 250W, maximum speed 20mph and the bike must meet EAPC regs.

Yes, we can provide cover for multiple bikes on a single policy up to the limit shown in your policy benefits section. Our Specialist Sports Equipment can provide cover for up to £5,600 per person by paying an additional premium.

Yes, our cycling travel insurance provides personal liability cover for up to £2,000,000.

Yes, we can provide cover for cycling tours and guided group rides providing you have selected the relevant activity when taking out the policy, subject to conditions and exclusions of the policy wording.

We can cover you to be away from your country of residence for up to 35/60/90 days per trip within an annual policy (depending on the level of cover purchased) or for up to 365 days away from your country of residence under a single trip policy.

It is possible we may be able to extend your cover period up to these limits, please get into contact with us by phone or email and one of our sales advisors will be able to assist.

Yes, additional travel expenses can be covered as a result of your injury during the trip under our Emergency Medical, Repatriation & Other Expenses benefit up to the limit of £10,000,000.

We can provide family cycling travel insurance policies; However, all insured persons would need to be listed for the same activity and sports group coverage. We are unable to offer bespoke travel policies.

Yes, our Emergency Medical, Repatriation & Other Expenses benefit can cover for additional accommodation expenses as a result of injury you have sustained during the trip.

Yes, our cycling holiday insurance can provide cover for loss or damage to your own equipment or equipment hired to you for the purposes of the activity we are insuring you for up to £600 on our standard levels of cover or up to £5,600 with our Specialist Sports Equipment add on.

Theft is covered under our Specialist Sports Equipment benefit providing it did not occur while the bike was left unattended, and it was locked using a Sold Secure rated lock in accordance with the following accreditation ratings table for Bikes:

Bike Value                        Accreditation Rating

£0 – £500                          Bronze standard Sold Secure lock

£501 – £1,500                  Silver standard Sold Secure lock

£1,501 – £5,600               Gold standard Sold Secure lock