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United Kingdom
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.
Our Travel Insurance partner
To help our customers chose the right level of cover for our events, trips and tours, we’ve partnered with Bikmo, to ensure that buying Travel Insurance is as straight forward as possible. Plus, you can benefit from an exclusive 5%> discount on Travel insurance.
Bikmo offers non-competitive AND competitive travel insurance cover, but what’s the difference?
In addition to the travel-related benefits, depending on the type of riding you’re taking part in will depend on the cover you need.
Racing your bike in events such as Etape du Tour and the Marmotte is much higher risk than a leisurely ride to explore your resort or an MTB ride along the coastal path, which is why Bikmo have a policy available for both.
So, to ensure that you have the cover you need for the level of adventurous cycling activity you’re planning, here’s a quick overview of the cycling activities that are covered.
Non-competitive Bikmo Travel policy
– Cycling – No competitions or racing (helmet required)
– Mountain Biking – No competitions or racing (helmet required), up to 2,500m above sea level
Competitive Bikmo Travel policy
– Cycling – Road, TT and track competitions & races, including above 2500m above sea level.
– Cyclocross – Racing,, above 2500m.
– Duathlon
– Triathlon (inc Ironman)
– Mountain Biking – Competitions & races on designated tracks. Up to 5,380m above sea level
– BMX – Racing and training
How do I access the discount?
Save 5%> on travel insurance by following the link below and using the code DESTINATIONSPORT5 at checkout.
>7 days European travel cover from £16.85.
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^.
^Available as an add on with Bikmo on certain policies.
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.
^^a Bikmo cycle insurance policy you’ll get 365 day worldwide cover for bikes and equipment, which includes when they are in transit when travelling by aircraft or boat.
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.
^^^This is currently not available from Bikmo.
Our Cycle Insurance Partner
If you were to take your own bike with you on holiday, this is where the Bikmo Cycle Insurance policy provides cover for your bike. If you were to have a fall on a tricky descent and you damaged your wheels, shifters, saddle, shorts and helmet, Bikmo has different cover options for the following:
– Accidental damage and /or theft of your bike
– Accidental damage and theft for clothing and accessories
– Alternative cycle hire, which would allow you to hire a bike to continue exploring,
and then claim for damage to your own bike & kit when you return.
How do I access my discount?
Save 5%# on cycle insurance by following the link. Discount is automatically applied
#Minimum premium £3.73/mo and policy wording applies on cycle insurance.
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.
