BICYCLE HOLIDAYS and races abroad ARE AMAZING\u2026<\/h2>\n
\u2026until you discover your travel insurance<\/a> doesn\u2019t actually cover cycling.<\/p>\n We can look at Santander\u2019s travel policy as a fairly typical example of a high street travel insurance policy. It comes free with some of their bank accounts, and a lot of our customers have one of these policies. But there are big gaps for cycling.\u00a0<\/span><\/p>\n The Santander policy<\/a> states: \u201cWe don\u2019t cover competitions or races of any kind . This includes practicing for speed or time trials . We also won\u2019t cover you if you\u2019re taking part as a professional\u201d<\/em>\u00a0 which means if you were taking part in a triathlon, or even just a training camp, you would be exposed. It\u2019s much the same story with NatWest\u2019s premium \u2018Black Travel insurance\u2019<\/a>, which states \u201cYou are not covered if you take part in any activity, where such activities are undertaken for competitive or racing purposes\u201d<\/em><\/p>\n If you were to injure yourself while doing any of these activities, the travel insurance would not<\/em> cover your emergency medical costs, or the costs of getting you home.<\/p>\n We\u2019re not trying to single out any particular travel insurance provider. All of these exclusions are typical of a high street travel insurance policy, and come up again and again. These restrictions are not intended as \u201csmall print\u201d to get out of claims, nor are any of these companies trying to trick you into buying something that doesn\u2019t fit your requirements; these policies just haven\u2019t been designed with cycling holidays or racing in mind.<\/p>\n The truth is that cycling as a sport is a niche hobby, and just like if you were going on a ski holiday,\u00a0 you need a specialist travel insurance if you want to do it abroad.<\/p>\n Although some of the online travel insurers will provide a hazardous activity extension, you need to be aware that there is one more vital hurdle to navigate\u2026 What is the main purpose of your trip? If you\u2019re reading this article, the chances are that you\u2019re going away on a cycling holiday. If we refer back to the Santander sports and activities policy wording section, they state:<\/p>\n \u201d Please bear in mind we won\u2019t cover you if the activity is the main reason for going on your trip .\u201d\u00a0<\/em><\/p>\n I think its safe to say that would clearly rule out a cycling trip to Mallorca or mountain biking in Morzine.<\/p>\n Our advice: don\u2019t assume your travel insurance covers cycling. The last thing you want is to end up with is a \u00a0\u20ac10,000+ medical bill because your policy didn\u2019t cover downhill mountain biking in Morzine, or racing the beautiful Ch\u00e2teau de Chantilly Triathlon in France.<\/p>\n Before you set off, double check your insurance documents. If it isn\u2019t clear in the policy wording, give your insurer a call and ask these questions:<\/p>\n -Am I covered when cycling is the primary purpose of my trip?<\/p>\n -Does the insurer differentiate types of cycling and is my chosen style covered?<\/p>\n -Do I have to buy an \u2018add on\u2019 for cycling in addition to the policy I already have?<\/p>\n -How are sportives classified? Are they a ride or a race?<\/p>\n -If racing, are there maximum distances or durations?<\/p>\n If you\u2019ve double-checked your policy and you have the cover you need, there\u2019s no reason to swap. We hope you have a brilliant time.<\/p>\n If you don\u2019t<\/em> have the appropriate cover, you\u2019ll be glad to know our cycle travel insurance<\/a> covers all forms of riding abroad, be it a family holiday, charity cycle ride, MTB adventure or competitive race.<\/p>\n Our short-term and annual multi-trip cycle travel insurance policies<\/a> come with all the benefits you\u2019d expect from travel insurance, including cover for trip cancellation, repatriation and medical expenses. Plus, you get cycle-specific perks like race fee cancellation, emergency cycle hire and public liability included as standard.<\/p>\n Most importantly, you are covered for up to \u00a310 million in medical expenses and repatriation if you injure yourself while cycling abroad. Ironman, downhill mountain biking, endurance bike-packing, the lot.<\/p>\nWhat is the main purpose of your trip?<\/h2>\n
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<\/p>\nMAKE SURE YOU\u2019RE COVERED<\/h2>\n
Are you covered?<\/h2>\n