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Cycling Travel Insurance

JS Travel Insurance offers a leisure Cycling Travel Insurance policy for any injury or accident abroad whilst cycling or travelling. It will also cover cancellation, personal baggage, and many other benefits. To contact us by telephone or email, 0800 043 0020 / 01273 092 757

Summary of Cover (per person)

Section & Cover	Silver	Gold	Platinum
Emergency Medical and Repatriation*	£5,000,000	£5,000,000	£5,000,000
Search and Rescue*	£25,000	£50,000	£50,000
Cancellation or Curtailment*	-	£3,000	£7,500
Personal Baggage	£500	£2,500	£3,500
Activity Equipment	£1,500	£1,500	£1,500
Valuables*	£250	£250	£500
Loss of Passport*	-	£300	£500
Travel Delay	-	£300	£1,000
Trip Abandonment*	-	£3,000	£7,500
Missed Departure / Connection	-	£500	£500
Legal Expenses*	-	£25,000	£50,000

*Excess payables vary depending on the claim benefit.

Please read the Policy Wording for the complete list of Benefits.

Healix Insurance Services Ltd, on behalf of Hamilton Insurance DAC, arranges this Travel Insurance policy for Jade Stanley Ltd. Healix Insurance Ltd is registered in England and Wales under No. 5484190 and authorised and regulated by the Financial Conduct Authority under No. 437248. Hamilton Insurance DAC is registered in Ireland No. 484148, authorised by the Central Bank of Ireland, and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority in connection with their UK branch. Jade Stanley Ltd is registered in England and Wales under No. 03570857 and authorised and regulated by the Financial Conduct Authority under No. 306205.

Cycling Travel Insurance FAQs

1. Why do I need specific cycling travel insurance?

Although leisure cycling doesn't seem very hazardous, remember that you do not always cause accidents; other riders, including the public or vehicles on the road, can push them.

You should have a specialist cycling travel insurance policy that includes Emergency Medical Expenses in the event of an accident, Activity Equipment if your bike is accidentally damaged or stolen in transit and more.

2. What happens if I fall off my bike when Cycling abroad and get injured? How am I covered?

This Cycling policy covers Emergency Medical and Repatriation back to the UK up to £5m in case of an accident or injury while Cycling, stationary or just travelling.

All policies come with a 24/7 Emergency assistance line.

3. Cycling is the sole purpose of my trip; am I covered?

Yes, all of our policies cover Cycling as the sole purpose of your trip, and the number of days you can cycle is not limited.

4. Is there any cover if my bike is stolen?

Our policies include theft coverage whilst in transit or locked storage.

Owned Activity Equipment covers up to £1,500 (single article/pair/set limit: £750) or Hired Activity Equipment covers up to £750 (single article/pair/set limit £500)

Please Note: This is based on a wear, tear and deprecation deduction; find out more about it in the Policy Wording.

5. If my baBaggagend valuables are stolen from my bike panniers, am I covered under Personal Baggage?

Your baggage will be covered for theft, loss or damage if the bike panniers are closed and secure with a lock.

Your bike and panniers must always be within eye contact, and you must ensure they are securely locked wherever you leave your bike.

6. What protective gear do I need to be wearing so that the Cycling Travel Insurance remains valid?

You must wear a Cycle Helmet at all times for the policy to be valid

Footwear is essential; wear appropriate footwear like a cycle or sturdy shoes.

You should always wear the proper clothing. For example, if you are Cycling at altitude, you should have warm clothes available, or in hot conditions, you should have reduced layers but take them with you just in case the weather changes.

7. If I am Cycling at altitude, can I get cover?

Yes, we provide coverage if you are cycling at altitude, for example, in the mountains or other areas above sea level, such as Nepal or India; our provider, Adventures, under Cycle Touring Policy, would cover this.

8. I cycle abroad a lot; is it worth me getting an Annual Cycling Policy?

Getting an Annual Multi-Trip policy may be a good idea if you travel twice yearly and seek cycle holiday insurance.

Our policies offer unlimited cycle days up to 31 days per trip.

For cycling holidays, we often cover people travelling to Europe, such as France, Spain, Belgium, Italy, Holland and more.

9. I have some pre-existing medical conditions that I need to declare. Can I still get cycling cover?

We cover many people with pre-existing medical conditions who are going on cycle leisure holidays.

This activity is covered automatically under Hazardous Activity Pack A.

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10. If I travel for an extended period or explore the world for a year, can I get a Travel Insurance policy for the trip?

Our backpacker policy covers cycling and cycling tours as an activity while you are travelling. This policy can last up to 18 months, and you can extend it anytime.

Types of Cycling Insurance we provide.

Cycling:

Cycle Racing / Sportives - Covers all Cycle Racing / sportive events like the L'Etape Du Tour.

Endurance Cycling - Covers all Endurance Cycle/Racing events, including the Transcontinental, Tranberica, Pan Celtic, and more.

Cycle Touring covers all aspects of Cycling from Destination to Destination, whether for a few days, weeks, or months.

Mountain Biking:

Mountain Biking covers all aspects of leisure mountain biking, such as trial and gravel riding off-road.

Downhill Mountain Biking - Covers all aspects of Downhill Mountain Biking off a ski lift, whether in the French Alps or Whistler in Canada.

BMX:

BMX Cycling - Covers all aspects of BMX, whether freestyle or racing, including cover for Amateur Competitions and more.

Travelling with a Bicycle

If you wish to fly to your holiday destination and take your bicycle, you must consult with the Airline before you travel. You should check the Airline's policies on excess and overweight baBaggagefind some of the airlines below:

British Airways Bicycles must be checked in as Luggage, and there is a fee of £50 per bike. All bikes must be packed in a hard-sided bike case or box and labelled as bicycles.

The bicycle must be partially disassembled, and the pedals, handlebars and front wheel removed.

It must not exceed the following dimensions: 210 cm in length, 100 cm in width and 80 cm in height.

EasyJet: Like British Airways, the bicycle must be partially disassembled, and the pedals, handlebars, and front wheel must be removed.

It must be checked in as Luggage with a fee of £50.

It must be stored in a hard-sided case and labelled bicycle.

Its dimensions must not exceed 190 cm in length, 95 cm in width, and 65 cm in height.

Air France: Must be checked in as Luggage with a Fee of £55; all other policies are the same as the above airlines.

You must not exceed 175 cm in length, 21.5 cm in width, and 86 cm in height.

Please Note: All fees can vary based on the destination you are travelling to; it's always good to consult with the Airline before travelling.

Cycling Annual Multi-Trip Benefits

Getting an Annual Multi-Trip policy may be a good idea if you travel abroad frequently and participate in cycling holidays.

31-Day Maximum Trip Length Days: We can cover Cycling as the sole purpose of your trip with unlimited Cycling days up to a maximum trip length of 31 days per trip.

Cost-effective: If you travel multiple times a year for beach/city breaks or Cycling holidays, taking out an annual policy is often more cost-effective and can save you money.

Convenience: Not only can it save you money, but it can also save you time as you do not need to search for cover every time you go abroad.

Peace of Mind: An Annual Travel Insurance policy that includes Cycling will give you peace of mind that you are covered for travelling and Cycling. I protect you from any emergency medical expenses, activity equipment, and more.

Cycling Training Camps Insurance

This Cycle Insurance Policy covers you if you go to Cycling Training Camps in Europe or further afield.

Popular destinations for this are Majorca, Tenerife, Alsace ( France ), and Lanzarote. Flanders if you want to go on the Cobbles in Belgium ); good to get in late Autumn or for the Canary Islands through the winter.

Pre-Existing Medical Conditions

If you have been Cycling before and may have had an injury or accident whilst participating in Cycling, you must declare this when purchasing a policy.

We have several providers who can offer travel insurance, including Cycling and if you have a pre-existing medical condition.

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