Cycling Travel Insurance

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Rather than spending an age hunting for a specialist cycle insurance policy, book your travel insurance with Holiday Extras and save time and money. All you need to do is book once, and you'll have a policy that covers you for cycling and all the other essentials.

Whether you're touring through the countryside or challenging the Yungas road, getting a specific sports travel insurance policy should be a priority. Please note: our travel insurance policies do not offer cover for competitive sports or any sporting competitions

Compare cycling travel insurance cover levels

If you're unsure of which bracket of cover to select, we have compiled a table of the four different cover levels that are offered by our single trip and annual travel insurance policies:

	Bronze	Silver	Gold
Emergency medical and repatriation expenses	£10,000,000	£10,000,000	Unlimited
Cancellation	£1,000	£2,500	£5,000*
Curtailment and loss of holiday	£1,000	£2,500	£5,000*
Personal possessions	£500	£1,500	£2,000
Passport and other documents	£150	£250	£350
Personal money	£300	£500	£750
Missed departure	£500	£500	£1,000
Missed connection	£500	£500	£1,000
Personal liability	£2,000,000	£2,000,000	£2,000,000
Legal costs and expenses	£25,000	£25,000	£25,000
Pet Care	X	X	£500

*Or as specified on your schedule

Cycling insurance with medical conditions

Having medical conditions shouldn't stop you from enjoying your cycling holiday. At Holiday Extras we provide travel insurance policies tailored to meet your needs. We will consider all pre-existing medical conditions and proudly offer cover for the majority of conditions. For more information on obtaining travel insurance with medical conditions, visit the travel insurance with medical conditions page.

Family cycling holiday insurance

It may be that you're taking the whole family on a cycling holiday, in which case you will want to have everyone insured. Take a look at our family travel insurance page for more information on getting cover for everyone. If you're interested in finding some of the best cycling holidays in Europe, check out this informative article written in the Guardian.

How to make a claim on your cycling insurance

Here's what you'll need before making a claim:

Proof of ownership - We will need to verify your ownership before we can help, so make sure you have such evidence to hand. Suitable evidence would typically be a receipt detailing your purchase of the bike.
Police report - Make sure you obtain a police report within 24 hours of the incident.

Breakdown cover

With our extra activities sports policy you're covered for search and rescue, should you find yourself stranded in the middle of nowhere.

Holiday Extras' top tips for cycling

Always wear protective head gear and clothing when cycling. Riding without a helmet will invalidate your claim.
Always securely lock your bike when you're not using it and don't leave it unattended for long periods of time.
Don't put yourself at unnecessary risk.
Pay attention to local advice when riding in rural areas.
Failing to follow any one of these basic steps could potentially invalidate your claim.

What to pack on a cycling holiday

Aside from your usual travel essentials like passports, and EHIC cards, there are a few other items that you simply can't afford to forget on a cycling holiday.

Head gear - Cycling without a helmet will invalidate any claims you may make, so some sturdy protection for your head is a priority. Mountain bikers will want a full face or trail helmet. For road cycling, a quality, standard helmet should suffice.
Eye ware - In the blinding sun, with dust and gnats swirling, it can be a job to see where you're going. A sturdy pair of sunglasses could be the difference between avoiding a collision and careering headlong into a crash. Depending on how much you're willing to spend, glasses with interchangeable lenses can be a good idea. These allow you to adjust the lens type according to light levels, ensuring that you can see clearly no matter the weather.
Bike lock - Investing in a quality lock is a must. If your bike is left unattended without a lock, then this could invalidate your claim. Coiled and cable locks are the best choice for cycling holidays, as they are light-weight, easily stored and can secure multiple bikes at the same time.
Gloves - If you don't have a good pair of specialist cycling gloves, you'll quickly wish you did when the blisters start to appear. For mountain bikers, full finger gloves are a good idea for extra protection.
Warm clothes/waterproofs - You'll be outside exposed to the elements for most of the day, so proper clothing is essential. Take multiple, light-weight layers, along with waterproofs for when the weather turns nasty.
Chamois cream - No matter how soft your bike seat may be, it's easy to develop saddle rash when you're cycling for long periods of time. Remembering to bring some chamois cream will truly save you from a world of discomfort. Good personal hygiene and showering regularly after cycling will also help you avoid this nightmare condition.
Tool kit - When you're out on the road, a trusty tool kit is invaluable. Your arsenal should include a portable tyre pump, duct tape, chain lubricant, allen keys, adjustable spanner and an x head screwdriver, to name a few things.
Spares - Whatever kind of cycling you will be doing, you will more than likely need spares at some point in your holiday. Inner tubes, brake pads, gear cables, bolts and spokes should all form part of your standard spares collection.

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Holiday Extras Travel Insurance is sold and administered by Holiday Extras Cover Limited, registered office address: Ashford Road, Newingreen, Hythe, Kent CT21 4JF.

Holiday Extras Cover Limited is an insurance intermediary authorised and regulated by the Financial Conduct Authority, registration number 828848. You can check this by visiting the Financial Services Register

Holiday Extras™ is a Trading Name of Holiday Extras Cover Limited. The insurance is underwritten by Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 10 Fenchurch Avenue, London, United Kingdom, EC3M 5BN.

Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this by visiting the Financial Services Register

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