When planning a cycling holiday the last thing you want to think about is having an accident or missing your event but unfortunately these things happen. Chances are, your bike will arrive safely and you’ll spend the summer exploring on two wheels, making memories of a lifetime. But without comprehensive cycling holiday insurance, there’ll always be that niggle at the back of your mind saying, ‘what if something goes wrong?’.
Whether you’re off on a road bike trip, a mountain bike trip or competing in events like sportives and triathlons abroad, cycling holiday insurance is a must-have. It’ll give you the peace of mind that if something goes wrong, you’ll have financial cover and won’t be left stranded; allowing you to enjoy a care-free cycling holiday.
Now, you could say the task of comparing cycling holiday insurance is a bit of a minefield. Sure, online comparison sites can do some of the work but it’s best to do your own research. You see, not every provider offers the same level of cover and you need to make sure you are getting the most for your money. Here are a few points to consider when comparing cycling holiday insurance…
The first thing to consider is how long you will need your cycling holiday insurance policy to cover you for. If you go on multiple cycling trips a year or participate in an annual race abroad, you can save money by choosing an insurance provider that covers multiple trips in one annual policy. As well as offering better value for money, there are a number of other reasons why a multi-trip policy makes sense.
It’s important to know exactly what’s included in your cycling holiday insurance. Are you covered for all cycling disciplines or are certain things that may be considered hazardous (like downhill mountain biking) excluded? If in any doubt, get in touch with the provider and discuss your cycling activities before you hit the “buy” button, so you can be 100% confident that you’re going to be properly insured.
Cyclists taking part in races, tours, triathlons and charity events will need to consider choosing a policy with competition cover. This means that if you have a crash during the competition or are injured, you will be insured for liability and medical costs. Some cycling holiday insurance providers will also offer you cover for cancelled competitions, so you aren’t left out of pocket for any fees paid.
Unfortunately cycling and non-cycling-related medical emergencies can arise without warning. We all know how easy it is to rack up medical bills in the hundreds and possibly thousands abroad, so save yourself the stress (and expense), by choosing cycling holiday insurance that covers medical emergencies.
Cycling holidays are expensive enough, without having to take out multiple insurance policies to ensure you’re completely covered. Save money (and time) by comparing providers that offer extras; much like what you would expect from a traditional holiday insurance policy.
For example, some cycling holiday insurance will also provide cover for things like lost baggage and personal belongings, missed departures and uninhabitable accommodation. All things that are likely to spoil your cycling trip!
Travelling with family or as part of a group? Look out for holiday insurance providers offering discounts you can benefit from.
As with all insurance policies, it’s a good idea to read the small print. Be sure to check that you are fully covered for cycling in the country you are visiting, as sometimes there are exclusions. You are likely to find that you need to take out an additional policy for your bike and accessories. Things like loss and damage in transit usually fall under ‘bike insurance’ as opposed to holiday insurance, so it’s worth clarifyng this with the provider.
We hope this blog has offered you some guidance when comparing cycling holiday insurance. If you’ve got any questions about anything covered in this blog or just want some general advice on cycling travel insurance please contact the Pedalcover team, we’re always happy to discuss your options.
Alternatively, if you want to find out more about our cycling holiday insurance, take a look and see how it weighs up!