Cycling is an increasingly popular holiday activity. Whether you want to explore the French Alps, pedal through sunny Mallorca, or explore Eurovelo cycle routes, there’s plenty of choice.
If you’re keen to plan your cycling trip, it might be worth thinking about travel insurance. But as standard insurance policies might not cover you, you may need to consider cycling travel insurance.
Whether you're an experienced cyclist, or just someone who wants a new way to explore, we have all the information you need. If you're ready to plan your cycling adventure, and see what cyclist travel insurance is available, read on.
Depending on what type of holiday you’re going on, you’ll also need to pick one of two base policies to add your cycling cover onto:
Good for: One-off cycling trips to a single destination.
If you're going on a one off trip, try single trip travel insurance. This is ideal for cyclists travelling to a single destination or riding through a single geographical area like Europe.
Generally it only covers you for up to 31 days.
If this sounds like you, select 'single trip' when asked what type of cover you need.
Good for: Cycling trips through multiple countries.
Useful for long, multi-country cycle tours, this type of policy covers travellers moving through multiple countries, or geographical areas.
Generally it covers you for up to 18 months.
Is this the perfect policy for you? Then select 'backpacker' when asked what type of travel insurance you need.
Click 'get a quote'
Pick your policy
Contact your insurer
If you fall off your bike and need an ambulance, hospital treatment or even just a trip to A&E.
If you have to cancel your cycling trip due to unforeseen circumstances, you can get cover.
This includes helmets, bike computers, watches etc.
If you’re injured on a long ride and need rescuing, your policy should cover these costs.
If you do get an injury while cycling, or something happens and you need to get back home, insurance can cover the cost of flights.
The FCDO (Foreign, Commonwealth and Development Office) issue warnings against travelling to certain countries. If the FCDO advise against travel to a country and you still go, you won't be covered.
Mishaps that occur as a result of drugs and alcohol won't be covered by your insurer.
Changing your mind isn't a valid reason for making a claim, so you won't be covered.
This could include risks like natural disasters, and other things that were public knowledge before you bought your travel insurance.
It will cover you for any holidays that you've got planned in Europe this year.
Includes cover for any cancellations, green fees you've paid upfront and specialist cover for your clubs.
Means you can get one policy that covers everyone, rather than buying individual policies.
If you decide to take out adventure travel insurance to cover you on your cycling trip, it might cover you for other sports too.
This could mean that you'd be covered for cycling, swimming and running under that one policy add-on. So you'd be all set for a triathlon!
Just double check that swimming and running are definitely included, though, as getting the right cover is important.
Make sure your insurer knows you'll be taking part in a competition too, as some policies might only cover you for non-competitive swimming, cycling and running.
Yes, if you have a pre-existing condition, you should still be able to find the right cover.
It's likely to be more expensive though, as medical conditions increase your chances of making a claim. And the higher the risk of you claiming , the more you're likely to be charged for cover.
It's important to declare any pre-existing conditions you have though. If you don't, your policy might be invalidated if you need to claim for treatment for that condition, or for something like repatriation if you become too ill to travel.
Both of these could leave you with a hefty medical bill that far outweighs the extra costs you might pay by declaring your pre-existing conditions.
There's no umbrella rule across all insurers, and each provider will have their own age limits, so even older cyclists should still be able to find cover.
You may need to give your insurer a little more information about your general health though, so they can assess your needs and how much it'll cost to cover you.
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