Your policy may cover you while cycling and mountain biking abroad
As we’ve recently changed our insurer, please select the date you bought your policy for more information:
Policies purchased on or after 1 Nov 2018 (GMT)
Policies purchased before 1 Nov 2018 (GMT)
Yes, your policy offers cover for you while cycling and mountain biking abroad. You must choose the right level of adventure sport coverage, depending on what you're planning to do.
Recreational biking/cycling.
Cycle touring – independently, as part of a group or on an organised tour (Must be on one continent only - no cover available for Intercontinental cycle touring).
Cycle racing/ time trial.
Mountain biking – on road, off road, cross country, tracks and downhill trails, and incidental to the trip.
All you need to do is list the specific cycling activity you want to try when buying your policy, eg 'Cycling - incidental to trip' or 'cycling - independent cycle touring' etc. Easy! Special Conditions and Exclusions apply to certain cycling activities, so be aware of these.
You must add all the adventures and activities you plan to try on your trip and pay any applicable additional premium when you buy your policy. You won’t be able to make changes after your policy is issued.
Providing you’re acting in a reasonable way, using all recommended safety equipment and necessary protective clothing, cover is available if you’re unfortunate enough to have an accident and hurt yourself while riding a bike for:
Evacuation if it’s urgent and medically necessary (by the most appropriate means including helicopter when necessary and available).
Emergency medical expenses overseas for treatment at the hospital or by a doctor at the local medical centre;and/or
Repatriation (curtailment) home if you’re seriously ill or injured and unable to continue your trip.
If something does happen to you and evacuation is medically necessary, you or someone with you must contact the Emergency Medical Assistance Service immediately and remain in contact until you no longer require treatment or assistance.
Who pays for medical treatment (and by this we mean either you pay upfront and claim later or we pay) depends on what’s happened to you and the necessary treatment required.
The policy isn’t designed to cover everything. Take the time to read the terms, conditions, limitations and exclusions in the policy wording for full details on what is and isn’t covered. That way there are no surprises if you need to use it.
Biking/cycling/mountain biking professionally i.e. you are being paid or sponsored or competing at international events as a national representative.
Loss, theft or damage to your bike.
Personal Liability while biking/cycling
Anything else that's listed in the General Exclusions of the policy and Specific Exclusions under Section 8.
Yes, your policy can cover you while cycling and mountain biking abroad. You must choose the right level of adventure sport coverage, depending on what you're planning to do.
All you need to do is list the specific cycling activity you want to try when getting your quote eg 'Cycling - incidental to trip' or 'cycling - independant cycle touring' etc. Easy! Restrictions apply to certain cycling activities, so be aware of these.
You must add all the adventures and activities you plan to try on your trip when you buy your policy. You won’t be able to make changes after your policy is issued.
Providing you’re acting in a reasonable way, using all recommended safety equipment and necessary protective clothing, there’s cover if you’re unfortunate enough to have an accident and hurt yourself while riding a bike for:
If something does happen to you and evacuation is medically necessary, you or someone with you must contact the Emergency Medical Assistance Service immediately and remain in contact until you no longer require treatment or assistance.
Who pays for medical treatment (and by this we mean either you pay upfront and claim later or we pay) depends on what’s happened to you and the necessary treatment required.
The policy isn’t designed to cover everything. Take the time to read the terms and conditions in the policy wording for full details on what is and isn’t covered. That way there are no surprises if you need to use it.
Here are the main things that aren’t covered:
We’re here to help if you have a question about travel insurance.
For policies purchased on or after 1 November 2018:
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For policies purchased before 1 November 2018:
Coronavirus (COVID-19) continues to impact many travellers around the world. Before you buy, read the travel alerts and check government travel advice and restrictions for your destination(s) as these may impact cover, or your ability to travel. NOTE: A 48-hour waiting period (time excess) applies to some Coronavirus-related cancellation cover; other waiting periods may apply.