Am I covered if I'm cycling or mountain biking?

For information relating to policies purchased prior to 18 May 2022, please check the Policy Document provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or from 18 May 2022 please see below.

Riding a bicycle for a day here and there, taking a cycle tour or wanting to go mountain biking? There’s cover for these activities, but special conditions apply so read on for details.

What's covered

  • Cycling (incidental to the trip; independent touring; on organised tour) up to 2,000 metres in elevation (1)
  • Cycling (incidental to the trip; independent touring; on organised tour) up to 6,000 metres in elevation (3)
  • Cycling over 6,000 metres in elevation is not covered
  • Mountain biking (cross country) up to 2,000 metres in elevation (2)
  • Mountain biking (cross country) up to 6,000 metres in elevation (3)
  • Mountain biking (downhill) up to 6,000 metres in elevation (3)
  • Mountain biking (on road) see cycling
  • Mountain biking over 6,000 metres in elevation is not covered

What you must do to be covered

All you need to do is list the cycling activity you want to try when getting your quote. 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. Read more about how it all works and what restrictions apply to certain activities.

How it works

Provided you take all the usual safety precautions such as:

  • obeying the road rules
  • wearing a helmet if required by local laws or when mountain biking
  • following local authority warnings
  • not riding into closed or restricted areas on any of the designated trails

then there’s cover if you are injured while riding your bike for:

  • Evacuation and repatriation if urgent and medically necessary (by the most appropriate means, including helicopter when necessary and available) to get you to the nearest medical facility or back home.
  • Emergency medical expenses, for treatment at the hospital or local medical centre 

If something does happen to you and evacuation is medically necessary, you or someone with you must contact our 24/7 Emergency Assistance Team as soon as possible.

Who pays for your medical treatment (and by this we mean either you pay upfront and claim later or we pay the medical facility directly) depends on what’s happened to you and the necessary treatment required.

What’s not covered

The policy isn’t designed to cover everything. Take the time to read the terms, conditions, limits and exclusions in the Policy Document for what is and isn’t covered. That way there are no surprises if you need to use it. If you are unsure, contact us for help.

Here are the main things that aren’t covered

  • Loss, theft or damage to your bicycle or bicycle accessories, whether owned, borrowed or rented (see Section 4 Exclusion 4b. in the Policy Document).
  • Your personal belongings if they are left unsupervised.
  • If you deliberately place yourself in danger.
  • Any on-going medical expenses once you return to your home country.
  • Anything mentioned in the General Exclusions.

This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your Policy Document in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover, please contact us for help.

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