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?’.
Cycling Holiday Insurance – A must-have for all trips
Cycling holiday insurance is a must-have, whether you’re off on a road bike trip, a mountain bike trip or competing in events like sportives and triathlons abroad. It’ll give you the peace of mind that you’ll have financial cover and won’t be left stranded if something goes wrong, allowing you to enjoy a carefree 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 work, but it’s best to do your research. 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…
For how long do you require cover?
The first thing to consider is how long you will need your cycling holiday insurance policy to cover you. Go on multiple cycling trips a year or participate in an annual race abroad. You can save money by choosing an insurance provider covering various trips in one yearly policy. As well as offering better value for money, there are several other reasons why a multi-trip policy makes sense.
What does a policy exactly cover?
It’s important to know 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 to be 100% confident that you will be adequately insured.
Do you need competition cover?
Cyclists taking part in races, tours, triathlons, and charity events will need to consider choosing a policy with competition cover; if you crash during the competition or are injured, you will be insured for 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.
Are you covered for medical emergencies?
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 Travel Insurance Extras
Cycling holidays are expensive enough without taking out multiple insurance policies to ensure you’re completely covered. Save money (and time) by comparing providers that offer extras, much like what you expect from a traditional holiday insurance policy.
For example, some cycling holiday insurance will also cover things like lost baggage and personal belongings, missed departures and uninhabitable accommodation, all items that are likely to spoil your cycling trip!
Are you travelling with family or as part of a group? Look out for holiday insurance providers offering discounts for groups.
Always read the small print.
Reviewing the small print is a good idea for all insurance policies. Check that you are 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’ instead of holiday insurance, so it’s worth clarifying this with the provider.
Choose Your Cycling Holiday Insurance
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 want some general advice on cycling travel insurance, please contact the Pedal Cover team; we’re always happy to discuss your options.
Alternatively, if you want to find out more about our cycling holiday insurance, look at our product page and see how it weighs up!