Cycling Travel Insurances: The Definitive Guide

pierre fruchard pierre Fruchard  updated on March 30, 2020

You are crazy about cycling and you are about to plan cycling holidays to practice your favorite sport? You would like to find travel insurance that is tailored for your activity in case something goes wrong?

You’ve come at the right place.

In the below guide, we will tell you everything you need to know about cycling travel insurance: what does it cover exactly, which policy you should go for, how much does it cost and other tips.

Stay tuned! 

What is cycling travel insurance?

You are a big fan of cycling and would like to go on cycling holidays or competition?
You should definitely get specific cycling travel insurance.

Whereas standard cycling insurance will only cover you for regular cycling, specific cycling travel insurance policy will cover you for any unexpected event that may go wrong during cycling holidays or racing such as your equipment being damaged, or any injuries made to yourself or others whilst racing or training for instance.

You can book cycling travel insurance for a year, or a definite period in time.
A specific cycling travel insurance will cover you for:

  • your bike, bike box and cycling equipment being lost, stolen or damaged (you could get some additional security marking features), also during transit
  • cover whilst training, racing, participating to charity event including roadside recovery
  • emergency bike hire
  • optional clothing and helmet cover.

Note that your bike will only be cover under personal belongings limit if you need purchase speicif cycling travel insurance. This means that you may get £1500 or £2000 in compensation if you make a claim, even though your expert cyclo cross worth £15000. Carefully check additional excess you may have to pay.

Why do you need travel insurance for cycling?

Getting travel insurance for your cycling trip is vital.

Just to show you how important applying for travel insurance is, here are a few examples of what an unfortunate and unexpected event might cost you during your cycling travel:

What you will need to pay without cycling travel insuranceWhat you will need to pay with cycling travel insurance
My bike has been damaged during flight£7000£0 
I need to cancel my cycling trip as my competition has been postponed£5,000 – £10,000
(real cost of trip)
£0
until trip cancellation limit is reached (check carefully cancellation reasons allowed)
I need air rescue£4000£0
(if planned in policy)
I got severely injured while cycling and need surgery abroad £30,000
(if not covered by European Health Insurance Card)
£0
until medical expense limit is reached
Expenses you may face during your cycling holidays if not covered by travel insurance

Depending on your destination, you may already have some financial assistance either with European Health Insurance Card (if your cycling trip is in Europe) or with healthcare cooperation systems between countries for example UK and Australia or New-Zealand. Note that your EHIC will only cover medical treatment in public hospital (you won’t be covered for any air ambulance, surgery in private hospitals etc.). It can’t be seen as a substitute for travel insurance.

Compare best cycling holiday insurance

To find the right cover for your cycling travel, you will need to explore the different options you have. You’ll have to answer a series of questions such as:

  • what exactly you’d like to get covered for 
  • the length of your stay
  • the destination
  • how much are you planning to cycle etc. 

We’ve came up with a non-exhaustive list of travel insurers that cover cycling breaks abroad as standard or as option:

InsurerPriceOur reviews
logo world first£18,37
  • Covers cycle- touring / leisure cycling in standard travel insurance policies
  • Covers cycle- racing or cycle corss for additional fee (not available for professionnal cyclsits)
  • Medical expenses up to £10M and 24/7 assistance
  • Possibility to apply 12 months in advance
  • UK- based customer service and claim team
  • Reimburse within 14 days
logo travel insurance 4 medical 2£18,67
  • Covers cycle- touring / leisure cycling in standard travel insurance policies
  • Covers cycle- racing or cycle corss for additional fee (not available for professionnal cyclsits)
  • UK based- call center and 24/7 assistance team
  • Provides cover for people up to 100 years old
  • Provides all travel insurance types with 3 level of protection
logo insure and go£23,68
  • A leader in providing all kinds of sport travel insurance plans
  • Cycling, leisure cycling available in standard travel insurance plans
  • Travel insurances not available for professionnals cyclists
logo explorer travel insurance£27,02
  • Gold and GoldPlus travel insurance plan
  • Regular cycling covered as standard for a maximum period of 14 days
  • BMX, mountain biking and touring, racing and competitions excluded
  • Some extreme sports covered for an additional fee and medical excess increased up to £400
  • Personal accident cover and personal liability excluded for extreme sports activities
logo staysure24.12
  • Cycling (only if wearing a helmet) covered as standard
  • £20K personal accident cover and up to £2500 under comprehensive cover for personal belongings
  • Cycle racing and time- trialling excluded
  • Mountain biking not covered
  • Very easy and clear 100% online quote system
Cycling travel insurances comparison

Prices above are for a 7 days single trip to Europe with cycling cover for a 30 years old people.

What does cycling travel insurance cover?

Travel insurance for cycling holidays should include:

  • specific cover for your sport activity
  • must-have features you need in any travel insurance.

If cycling is included as standard in your travel insurance policy, carefully check limits and excess amounts that you will get / need to pay in case of claim.

Specific cycling cover that you could get

Travel insurances for cyclist usually include:

Cycling cover optionsAverage amount
Pedal cycles damaged, lost or stolenUp to £50 000 for pedal cycle / (£15 000 per pedal cycle)Up to £2000 for helmets and clothing
Accessories (helmets, GoPro device, wetsuit etc.) damaged, lost or stolenUp to £2000 for helmets and clothing
Public liability whilst training or racing£2M
Emergency replacement bike hireReal fees
Non-refundable race feesUp to £500 per period of insurance
Specific cover for cycling travel insurance

Note that if you injure someone else during your sport practice, you may not be covered unless it is clearly mentioned in your policy booklet.

Must-have features your cycling travel insurance should cover

CompensationAverage amountGood to know
Medical expensesFrom £5M to £10M
(depending on your medical situation and your destination)
  • Injury due to my sport practice included
  • Stays in private hospitals included
  • Pay for medical fees upfront
  • Accompanying person fees (extra travel, accomodation, car rental)
  • 24/7 free-of-charge and UK-based assistance landline available
  • Overseas assistance
RepatriationReal fees
  • Transportation mode included (by alternative schedule flight or by air ambulance)
  • Repatriation under the supervision of a nurse or a doctor
Trip cancellation / curtailment£5000 – £10000
(depending on your destination)
  • As standard or as option
  • List of valid reasons for cancellation (e.g. cycling competition postponed)
Baggage or personal belongingsMinimum of £1500 limit
  • Valid for return transportation or entire stay
  • Receipts of belongings needed
  • Limit by valuable item
  • Sport equipment (competition bike) covered as standard or as option
Missed departure, delay Minimum £500 limit (minimum £200 limit for delay)
  • All justified reasons to qualify for compensation?
  • Number of hours of delay to qualify for compensation
Personal liabilityAverage £2 million limit 
  • Limit by article or valuable
  • Don’t focus on overall limit only
Legal expensesAverage £15000 limit
  • Lawyer appointment fees included
Must-have features of travel insurance

Always carefully check the age limit and compensation amounts as well as deductibles you’ll have to pay in case you need to make a claim. For medical expenses, always get your insurer to accept them before paying if you need to advance fees.

As nice-to-have features, you may want to get in addition to your cycling travel insurance included features:

  • business trip insurance
  • emergency dental treatment
  • loss of passport or documentation
  • gadget cover
  • Schedule Airline Failure (at least £1500)
  • money and cash cover.

Can I get cycling travel cover if I have pre-existing medical conditions?

Of course you can. 

The best option would be to purchase a pre-existing medical condition travel insurance tailored for your holidays, and add a cycling cover option if not included as standard.

If you purchase cycling travel insurance or any other insurance without disclosing your medical condition, that is called “fronting”. Your claim can be invalidated by your insurer, such as your entire travel insurance policy.

Can cycling travel insurance be included if I purchase an annual multi-trip or a single trip policy?

Short answer: yes, it can be.

Cycling, as many other sports, can be included as standard or purchase as extras on both single and annual multi-trip travel insurance policies. 

You will need to specifically dig into insurers policy booklets to see which activities are covered as standard. 

As a reminder:

Travel insurance typeExplanation
Single trip insuranceThese travel insurance policies are for one-off holidays. 
You will be covered from the start of the journey until the end.
You can decide the number of days you want to be covered for. 
Annual multi-trip insuranceThese policies are made for frequent cyclist going away for cycling holidays several times a year. 
You would need to check whether it is more competitive to buy two or three single trip insurance policies or an annual multi-trip policy.
Types of cycling travel insurance policies

Do I need to buy specific cycling travel insurance?

It depends on the travel insurance policy you purchased. This will be clearly outlined in your policy booklet.

If you haven’t bought your cycling travel cover yet, we would advise you to go for an insurer providing specific cover for cycling equipment, competition etc. either as standard or as full option for an extra fee.

How much does cycling travel insurance cost?

You will find below indicate travel insurance price including cycling cover:

Age rangeSingle trip to Europe*Annual multi-trip to Europe
18 – 35£21,86£47,01
36 – 54£29,00£29,00
55+£32,07£32,07
Cycling travel insurance price

*Quotes above are for a 7 days cycling holidays.

It is, however, quite difficult to give precise ranges of how much a travel insurance will cost for you as prices are based on a wide range of criteria. It will mainly depend on:

  • How often will you cycle
  • If you are going on single cycling trip or annual multi_trips
  • If you purchase other upgrades in addition to your cycling cover such as gadget cover
  • If your teen has pre-existing medical conditions
  • The duration and destination of your stay
  • The financial limits you’d like to get in case of a claim
  • The excess amount you’re willing to pay.

What else should I check before purchasing my cycling travel cover?

While shopping around for sport_name holiday insurance, always pay attention to:

  • The compensation amounts you will get for each claim (especially personal belongings compensation limit if cycling is included as standard in your policy)
  • The deductible amounts you’ll have to pay in case of claim (don’t forget that extreme sports or hazardous activities lovers often need to pay extra medical excess if they got injured whilst practicing their sport) – opt for excess waiver cover if you are practicing adventurous sports
  • The exclusions you may have in your policy
  • The claim process (100% online? How many days do you have to make a claim?)
  • The maximum duration of each trip included as standard (at least 31 days)
  • The upper age limit (if you are a senior travelling).