Cycling travel insurance
Cycling travel insurance
There’s nothing like pairing your love of cycling with a holiday, but you’ll want to make sure you have the right travel insurance ahead of your trip.
Does travel insurance cover cycling holidays?
If you’re going on a cycling trip, you may need to think about a specialist travel insurance policy as a standard policy might not give you the cover you need.
Standard travel insurance policies typically offer cover from £1,500 to £3,000 for all your belongings, including your bike, with a single item limit of around £500. This would be the most you could claim if your bike’s stolen or damaged. Cover varies among providers, though, so check what’s offered before you buy.
A standard policy is likely only to cover regular cycling, with exclusions for racing and mountain-biking, making a specialist policy necessary in these cases.
As of 23rd Match 2020, the UK Government announced a series of restrictions to travel, public spaces and gatherings. For a minimum of three weeks, people are being instructed to stay at home whenever possible. For this reason, travel insurance policies purchased from this date, for trips within the UK with a start date before 13th April 2020, will not be valid.
The UK Government also instructed all British tourists and travellers, that are currently abroad, to return to the UK as soon as possible.
As of 17th March 2020, the Foreign and Commonwealth Office (FCO) have advised against all non-essential travel abroad for an initial period of 30 days. This means that any travel insurance purchased from this date, for trips outside of the UK with a start date before 16th April 2020, will not be covered by the provider.
Coronavirus was declared a pandemic on 11th March 2020, so this may also affect your policy, particularly those taken out on or after that date. Please check any existing policies carefully, to find out what you’re covered for.
For more information please see our coronavirus and travel insurance page.
What type of insurance do I need for cycling holidays?
The right type of insurance policy for a cycling holiday depends on a few things. Ask yourself:
How long is my holiday? A specialist bicycle insurance policy usually offers cover for 30, 60 or 90 days. You might choose insurance that lasts for the length of one tour, or for multiple trips (but check any limits on the number of days of each trip or the total number of trips).
Am I covered if I get injured or sick while I’m abroad? You should check you have sufficient medical cover before you go cycling. Without a travel policy that covers the cost of emergency medical treatment, you could face a medical bill of thousands of pounds if you have an accident. If you have a valid European Health Insurance Card** (EHIC), and you’re visiting a country in the European Economic Area (EEA) or Switzerland, you could get medical care on the same terms as a local. This means you’d only need to pay for treatment if they do. However the EHIC isn’t a replacement for travel insurance, as our guide explains.
**UK residents can use their EHIC after the 31 January during the transition phase of the UK leaving the EU. This means that the EHIC can continued to be used in the same way until the 31 December 2020. What happens to the status of the EHIC after the transition phase will be decided as part of the negotiations on the future UK-EU relationship.
What else should I look for with specialist cycling travel insurance?
Some other things to look for in a specialist policy include:
- Third party liability, in case you injure someone and they make a claim against you
- Cover for cycle breakdown and the cost of recovery
- Damage or loss of your accessories, like your helmet or a GoPro device
- Cover while you’re in transit. Your bike and bike box could be covered if they’re lost or damaged while on the move
- Replacement bike hire
If you're on a cycle tour, check that the cover extends to every country you plan to visit
- Find out if there’s an excess to pay if you make a claim. This might be about £50. If you lose your helmet, for example, it might not be worth claiming.
Always make sure you’re aware of what’s included in a policy, plus any exclusions, before you buy. Once you’ve got a policy, keep your insurance provider’s details with you in case you need to contact them while you’re away.
What exclusions might there be with my cycling travel insurance?
You’ll need to take good care of your bike during your trip; if you don’t, you could invalidate your insurance. Get a strong lock and remove any accessories when you’re not using your bike. Check if there are any restrictions to where you can leave your bike overnight.