Don’t let unexpected medical costs ruin your cycling holiday. Cycling travel insurance protects you when you’re cycling abroad.
What is cycling travel insurance, and do you need it?
Cycling travel insurance means you’re covered against unexpected medical costs, lost bikes, or cancelling your trip.
Cycling is becoming more and more popular with us Brits. According to one study, more than a third of UK respondents said they cycled for leisure. But cycling does bring an element of risk. That’s why our cycling travel insurance covers a range of events so you can focus on enjoying your trip.
- Emergency medical costs. A Norwegian study found that the number of people hospitalised with cycling injuries is increasing. If you do need medical attention, it is important to be protected. We’ll cover the costs of unexpected medical treatment.
- Keep your bike protected. Airlines losing bikes during transit is not uncommon. It’s especially prevalent with UK and US airlines. Don’t let a lost or bike ruin your cycling holiday. Our cycling travel insurance includes cover for your bike, baggage and passport. Plus, we offer optional valuables cover if your bike is worth over £1000.
- Don’t let pre-existing medical conditions stop you from travelling. We’ll consider all pre-existing medical conditions. Just declare your condition, give us some details, and we’ll send you a quote. Find out more about medical travel insurance or contact our helpful team.
- Get cover no matter your activity schedule. Not just cycling? No worries. We cover over 100 other popular activities, including hiking, surfing, sailing, and golfing.
- Protect against delays. If flight delays affect your trip, we’ll help cover the cost of missed tours and accommodation.
The right cycling travel insurance can give you the security you need to enjoy your trip.
That’s why we’re here to support you with the best travel insurance policy for your needs. We’ve helped over 27 million travellers get cover, and 99.7% would consider buying from InsureandGo again1.
What does InsureandGo’s cycling travel insurance cover?
What’s covered?
Our travel insurance for cycling includes:
- Medical emergency expenses.
- Cover for cancellation of your trip.
- Our 24-hour emergency assistance team, available to call, day or night, wherever you are
- Over 100 sports and activities covered (see your policy wording for a full list of activities)
- Personal belongings and baggage cover.
- Personal money, passports and travel documents cover.
- Accommodation cover.
- Legal expenses cover.
Find out about our optional add ons for activities like extreme sports, cruises and golf.
We will consider all pre-existing medical conditions. Find out more about medical travel insurance. The excess and amount of cover available varies depending on the level of travel insurance you buy. Check the policy wording to see the full terms and conditions.
What’s not covered?
Each provider will have different things it can or cannot include in a policy. But, there are some situations travel insurance will not cover. For example:
- You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
- Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
All of our travel insurance policies include cover for cancellation of your trip. There may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go.
The best travel insurance for cycling holidays
All cycling holidays are different. You might need to change up your travel insurance policy depending on your needs. Can’t work out what you need? Here’s what we’d suggest.
- Just doing one cycling trip this year? Our single trip travel insurance covers you for one trip of up to 365 consecutive days of travel.
- Taking multiple trips abroad this year? Our annual multi-trip travel insurance covers you for between 45-55 days of each trip.
- Where will you be cycling? Biking around the continent? Europe travel insurance will cover you across the whole continent.
- Going further afield? Worldwide travel insurance might be what you need.
- Family cycling holiday? Cover everyone in one go with a family travel insurance plan. Less paperwork, more fun.
Cycling travel insurance with pre-existing medical condition cover
At InsureandGo, we’re proud to offer travel insurance for medical conditions. We’ve helped over 27 million travellers get cover. In fact, when we surveyed our customers, 58% had at least one pre-existing condition2. So, if you have a pre-existing medical condition that you think might prevent you from travelling, give us a call.
Before you get your travel insurance policy quote, we may need to ask you a few questions about your condition/s. Things we may ask include:
- When were you first diagnosed?
- Are you taking medication for your condition?
- When were you last admitted to hospital for this condition?
We have no upper age limits and can cover more than 1300 health conditions. Examples of conditions we can cover include:
- Heart conditions: like heart conditions and high blood pressure.
- Lung conditions: like COPD and asthma.
- Neurological conditions: like stroke and epilepsy.
- Many other conditions: like disability or cancer.
Remember that you must declare any and all medical conditions before you set up your travel insurance. Otherwise, your policy may become invalid. To find out more, please read our page about travel insurance for medical conditions. Alternatively, take a look at our policy wording documents.
If you’d rather talk to someone instead, please get in touch with us.
Choose a cover level to suit your travel needs
| Black | Gold | Silver | |
| Medical expenses and repatriation | Unlimited | £15 million | £10 Million |
| Cancellation and curtailment | £10,000 | £7,500 | £5,000 |
| Travel delay | Up to £650 | Up to £540 | Up to £450 |
| Personal belongings | £5,000 | £2,500 | £2,000 |
| Legal Expenses | £60,000 | £50,000 | £15,000 |
| Standard Excess | Nil | £50 | £60 |
Which destinations are covered by our cycling travel insurance?
We offer cycling travel insurance policies based on the following destination groupings:
- The UK
- Europe (plus countries bordering the Mediterranean Sea, plus Madeira and The Azores)*
- Worldwide (except the USA, Canada, Mexico and the Caribbean)
- Worldwide
*Europe includes: Albania, Andorra, Armenia, Austria, Azerbaijan, Azores, Balearics, Belarus, Belgium, Bosnia And Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey.
Have you already bought annual multi-trip travel insurance for a particular area? But are now planning to travel further afield? We can upgrade your cover to include the new destination.
Alternatively, you could purchase separate single-trip cover instead. Upgrading your annual travel insurance policy to include worldwide cover can work out cheaper.
If you’d like to discuss these options or are still unsure which area your trip falls into, please contact us.
How to book our cycling insurance
There’s so much to think about when planning a holiday. At least getting a quote for your cycling travel insurance is easy.
1. Let us know about your trip
Tell us where you’re going, who you want to cover and when you want the policy to start. We’ll ask you about your condition and any other pre-existing medical conditions.
It’s quick and easy to give us this information, online or by phone.
2. Get your quote
After you’ve given us all the relevant details, we’ll send you a quote. You can either buy your policy there and then, or save the quote for the future.
“Exploring new trails abroad on your bike is an exhilarating experience. But remember, accidents can happen. Travel insurance can be a safety net to cover your trip and cycling accessories, as well as any potential medical expenses. Protect your adventure and your wallet with our comprehensive cycling travel insurance.“
Letitia Smith MiSc, Travel insurance expert
From our customers
Single trip cycling in Europe
I wanted single trip cover for a cycling trip in Europe and that is what I got! Efficient and polite online. Quite satisfied.
– Paul
– Date of experience: 28 May 2024
Our reviews speak for themselves
There’s a reason 99.7% of our customers would consider buying from InsureandGo again3. Here’s what they have to say about us.
Frequently asked questions on cycling travel insurance
Does standard travel insurance cover cycling?
Our insurance policies include over 50 sports and activities covered as standard. This includes cycling, cycle touring and motorcycling. However, please note that you will not be covered if this is the main purpose of your trip. If you’re on an action/adventure holiday, you’ll need to take out our extreme sports cover. This will provide more comprehensive cover.
How much does cycling travel insurance cost?
There is no standard set price for cycling travel insurance. This is because all travel insurance policies take into account multiple factors to determine the cost. The factors can include things like age, medical history and destination. Therefore, the cost of each cycling travel insurance policy can vary from person to person.
Does cycling insurance cover mountain biking?
Cycling insurance does not cover mountain biking or BMX. If you are planning on mountain biking or BMXing, you will need extreme sports cover. This can be added when you build your travel insurance policy quote.
Will cycling travel insurance cover mountain rescue?
Cycling travel insurance policies for mountain biking typically cover mountain rescue. This includes helicopter rescue if you are injured while riding in mountainous areas. At AllClear, we cover mountain rescue costs as long as it is medically necessary. We do not cover search and rescue costs. Be sure to check the wording on your policy to be sure.
Does cycle insurance cover bike theft?
All our policies automatically cover theft, loss, and damage to your personal belongings. However, some sports equipment, such as bikes, can be expensive. So if you’re travelling with yours, it’s important that it’s fully insured. If your bike is expensive, you can even add extended valuables cover to your policy. This will cover your bike up to £1,000 per item.
Does cycling travel insurance cover bike accessories?
Yes, bike accessories are covered. They are included as part of your baggage. This means that they are protected against loss, theft and damage. Please note that your bike is not covered as part of your baggage. If you’re taking a bike with you, you’ll need to get valuables cover for your trip.
Do you need cycling travel insurance for domestic trips within the UK?
Cycling travel insurance is generally not necessary for domestic trips within the UK. This is because medical expenses are largely covered by the NHS. However, UK travel insurance can be useful if you have a particularly expensive bike. Your policy will protect your bike against loss, damage or theft. Travel insurance can also help with things like cancellation and curtailment.
Who can buy an InsureandGo cycling travel insurance policy?
All our cycling travel insurance policies are available to UK residents. This means:
- Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
- They must be in the UK at the time of purchase
- All trips must start and end in the UK
Get a quote online or browse our policy documents for more information.
Travel insurance guides
Frequently asked questions
If you’ve got more questions about how our cycling travel insurance works, or more general travel insurance queries, have a read through our FAQs.
Travel advice
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