Cycling Holiday Insurance
Travel Insurance for cycling holidays including cover for hundreds of pre-existing medical conditions.
Travel Insurance for Cycling Abroad
Whether it’s sweeping mountain views in Spain, exploring the Dolomites in Italy, or bikepacking in Scotland, cycling is a great way to combine sightseeing with exercise during your holiday. From group rides and timed sporting events to off-road adventures, there are a number of different ways to take your love of cycling along with you. Whichever you choose, it’s important to make sure any cycling activities are covered under your Travel Insurance policy to protect you, your bike, and your holiday.
Useful to Know About Cycling Trip Insurance
The need for a specialist Cycling Travel Insurance policy depends on how much it is a part of your holiday. For example, if you’re cycling for leisure (i.e. hiring a bike for the day), this is covered as standard. If your trip involves cycle touring, bikepacking, or mountain-biking where you’ll be cycling above a certain altitude, these will only be covered under hazardous activities Category B, for an additional premium.
It’s important to note that UK bicycle insurance is unlikely to cover you for such activities abroad, as it may not cover emergency medical expenses or your personal belongings should anything happen to your bike or kit. With this in mind, it’s also important to consider when taking out Cycling Holiday Insurance that the single-item limit is more than enough to cover the cost of your bike. If your cycling holiday involves more than one destination, then you’ll need to make sure you include all of these on your cycling holiday insurance to make sure you’re covered throughout your travels.
What’s covered with Travel Insurance for Cycling?
Travel Insurance for a cycling holiday provides cover for emergency medical expenses, travel disruptions, and any events specifically related to cycling that may occur on your trip. As standard, policies should normally include:
Emergency medical and repatriation expenses (up to £10m)
Should you require treatment due to sudden illness or injury while on your cycling holiday, or need to be repatriated home to receive sufficient treatment.
Cancellation or curtailment (up to £50,000 per person upon referral with top-up cover)
In the event you have to cancel or cut short your cycling trip due to unforeseen circumstances (e.g. illness or bereavement).
Treatment for pre-existing medical conditions
When declared initially on your policy, saving you from costly medical bills abroad.
What’s not covered with Cycling Holiday Insurance?
It’s important to note that the following are not covered under Travel Insurance for cycling:
- Theft if your bike was left unlocked or unsecure
- Any incidents where it was found you were under the influence of alcohol
- Loss or damage caused by the continued use of a broken bike
- General wear and tear
- Damage caused by weather or conditions relating to the environment
- Injuries arising from lack of safety precautions (e.g. not wearing a helmet)
- Damage from taking part in a cycling activity not covered under your insurance
Cover may vary depending on your chosen insurer. Always read the policy wording carefully to make sure you understand what is and isn’t covered.
Travel Insurance for Cycling FAQs
Do I need Travel Insurance for a cycling holiday?
Yes. If the purpose of your holiday is for a cycling trip, you’ll need to secure specialist Travel Insurance that covers cycling abroad. Leisure cycling (e.g. hiring a bike) is usually covered as standard, but if you’ll be taking part in specific activities like mountain biking, cycle touring, or bikepacking, it’s important to declare this on your insurance to make sure you get cover for your bike, accessories and kit along with standard cover benefits like emergency medical expenses and cancellation.
What does Travel Insurance for cycling abroad include?
- Medical emergencies – including treatment and medications arising from sudden illness or injury.
- Treatment for pre-existing medical conditions – When declared initially on your policy, should you have a flare-up in your symptoms.
- Cancellation or curtailment – should you have to cancel or cut short your trip due to unexpected circumstances.
- Baggage cover – protecting your personal belongings in the event of loss or theft.
- Bike damage or theft – No cover
- Bike accessories – No cover
- Non-refundable activity fees – if you are unable to take part in pre-booked cycling activities due to illness, injury, or event cancellation.
What is the best cycling holiday insurance?
Is there an upper-age limit for cycling holiday insurance?
No, not for leisure cycling. However, please note that for mountain biking and cycle touring, the maximum age limit is 64.
Latest News
Travelling to Europe This Winter and Beyond: What You Need to Know
If you’re planning a trip to Europe this winter, there’s an...
New figures reveal £472m paid in Travel Insurance claims – can you really afford to travel without cover?
The Association of British Insurers (ABI) has released its...
Fact vs Fiction: Do You Need Travel Insurance for Spain?
A recent viral story claimed that British tourists travelling...