Let’s be honest: planning your next cycling adventure is half the fun. Whether you’re dreaming of the iconic switchbacks of Alpe d’Huez, the challenge of Mont Ventoux, or a bike-packing journey through Morocco, preparation is key. You’ve checked your bike, packed your essentials, and maybe even remembered the sun cream. But what about cycling travel insurance?
Why Standard Travel Insurance Isn’t Always Enough
It’s a common misconception that standard travel insurance will cover every aspect of your cycling trip. In reality, most general policies are designed for typical holiday activities and may not protect you if cycling is the main focus of your trip—especially if you’re tackling mountain descents or joining a mass-participation event. Always check your policy’s details before you travel. If there are gaps, consider a specialist cycle travel insurance policy for peace of mind.
What to Look for in Cycling Holiday Insurance
1. Activity Coverage
Not all policies are created equal. Some may cover a casual ride on a rental bike, but exclude more intensive activities like sportives, triathlons, or mountain biking. Before you travel, confirm that your planned activities are covered. For example, downhill mountain biking is often excluded from standard policies, so look for a provider that understands the needs of cyclists.
2. Liability Protection
Sharing the road with other cyclists and vehicles means accidents can happen. If you’re found liable for injury or damage, costs can quickly escalate. Make sure your policy includes personal liability cover, especially if you’re riding in events or unfamiliar environments.
3. Medical and Emergency Assistance
Remote trails and mountain passes are part of the adventure, but they also mean you’re further from help if something goes wrong. Look for insurance that covers emergency medical treatment, search and rescue, and dental care. The right policy ensures you’re not left stranded if you’re injured far from home.
4. Personal Accident Cover
Cycling is exhilarating, but it comes with risks. Personal accident cover provides financial support if you suffer a serious injury while riding. It’s not something anyone wants to think about, but it’s worth having for peace of mind.
5. Cancellation and Curtailment
Sometimes, the unexpected happens—missed departures, race cancellations, or illness before your trip. A good cycling holiday insurance policy can help recover costs if you need to cancel or cut your trip short.
6. Annual vs. Single Trip Policies
If you travel with your bike more than once a year, an annual policy can save money and hassle. It covers you for multiple trips, so you’re protected whether you’re heading to a training camp, a sportive, or a spontaneous weekend away.
Planning for Peace of Mind
At Pedal Cover, we’re cyclists first. Our policies are designed to fill the gaps left by standard insurance, so you can focus on the ride. If you’re planning a trip, don’t leave insurance to the last minute—make sure you’re covered before you go. Find out more about cycle travel insurance and ride with confidence.
Traveling with your bike?
Cycle travel insurance covers you for medical emergencies, trip cancellations, and travel disruption when riding overseas. It’s about protecting you, not your bike.
Bicycle insurance or home insurance for cyclists covers your bike for theft and accidental damage, whether at home or away.
Always check the policy wording to know exactly what’s included and excluded before you buy.
FAQs: Cycling Travel Insurance
Do I need specialist cycling travel insurance for every trip?
If cycling is a main part of your trip, or you’re taking part in events or riding challenging terrain, specialist cover is recommended. Standard travel insurance may not cover all cycling activities.
What activities are usually excluded from standard travel insurance?
Downhill mountain biking, racing, and some sportives are often excluded. Always check your policy for specific exclusions.
Does cycling travel insurance cover my bike as well?
Travel insurance is designed to cover you (the rider) for medical emergencies, cancellation, and disruption. For theft or accidental damage to your bike, consider separate bicycle insurance or home insurance for cyclists.
Can I get cover for multiple cycling trips in a year?
Yes, annual cycling travel insurance policies are available and can be more cost-effective if you travel frequently.
What should I do if I need to make a claim while abroad?
Contact your insurer as soon as possible, keep all relevant documentation, and follow the claims process outlined in your policy.
