Travel Insurance

Choose the right policy that covers your activities

There are specialist types of travel insurance that cover active holidays. We’re all aware of winter sports cover but road cycling and competitive road racing events, also need specialist cover.

Travel insurance is not just for when you travel

Buying travel insurance at the time of booking your holiday or experience means that you’re covered straight away for any instances that result in you having to cancel your trip before you travel. This should mean that you’ll be able to recover your holiday costs minus any excess if you have to cancel your holiday for certain reasons outside of your control.

When travelling with us, your main reason for travel is most likely to ride a challenging event, race, climb or route. Therefore, we feel it’s important that your holiday costs are covered should you suffer an injury, if either caused by an unfortunate trauma or one that’s developed over time, (like chronic knee pain), that would leave you unable to enjoy your holiday*.

Your tour operator is not obliged to refund you if you cancel for personal reasons. Most tour operators will make every effort to be flexible but ultimately, they are within their rights to refer you to claim on your travel insurance*.

*Please always check the policy terms and please note that your tour operator is not obliged to refund you if you cancel for personal reasons. Most tour operators will make every effort to be flexible but ultimately, they are within their rights to refer you to claim on your travel insurance.

Pre-existing medical conditions

Please make sure you declare any pre-existing medical conditions when you apply as your cover could be void. This could even happen when you try to claim for something unrelated.

CYCLE INSURANCE

Also consider insurance cover for your bike and gear

Most regular travel and home policies only provide limited cover for things like bikes so it’s worth considering the value of all the gear that you’re taking and check if you’ll need extra insurance to cover these.

It’s likely that as a keen cyclist, you have an expensive bike (or several bikes). In this case it may be good to take out specialist bicycle insurance. If you ride your bicycle competitively which is the case on events like the Marmotte, Etape du Tour or Mallorca 312, you may also want to consider specialist insurance. Specialist cycle insurance policies usually cover theft or damage while the bike is stationary, damaged or for personal injury while riding and cover for accessories as standard. Some offer some additions like reimbursing race fees if you can’t compete, taxi costs in the event of an accident, and providing liability insurance if you cause an accident and injure someone.

Flying with a bike

If you fly with a bike, airlines have limited liability in case they lose or damage your bike. This is usually limited to £1000 unless you declare the value in advance and pay extra. It’s worth considering take out insurance to cover for this.

Bike rental

Some insurances^^^ also cover you for rented equipment, like renting a bike for an event. Renting a bike locally is a practical way to avoid the hassle of travelling with a bike.

FCDO advice

If you travel against the advice of the Foreign, Commonwealth and Development Office (FCDO) it’s likely you’ll invalidate your policy – unless you’ve bought cover that specifically allows travel against this advice. To be sure, check the FCDO advice closely and the fine detail of what your policy will cover