Cycle & Triathlon Insurance – Tailored Cover for Every Rider
Exploring by bike can be a great way to experience your destination, and all our policies—Element, Protect, and Optimum—include cover for leisure cycling as a standard activity.
However, if you’re planning to take part in races, triathlons, cycling tours, or any non-leisure or high-risk cycling, you’ll need to add the Cycle & Triathlon upgrade to your policy.
Without this upgrade, claims for these activities won’t be covered.
Please refer to the policy wording for full details of what’s included and excluded.
| Element | Protect | Optimum | ||
|---|---|---|---|---|
 | Theft of your bicycleShould your bicycle or equipment be stolen, we’ve got you covered | Up to £1,000 | Up to £1,000 | Up to £1,000 |
 | CancellationReimbursement for irrecoverable losses due to cancellation of travel and or accommodation expenses | Up to £1,500 | Up to £3,000 | Up to £5,000 |
 | Accidental damage to your bicycleReimbursement for loss or damages caused by third parties | Up to £1,000 | Up to £1,000 | Up to £1,000 |
 | Personal AccidentReimbursement for personal accident or damages caused during your trip | Up to £10,000 | Up to £20,000 | Up to £30,000 |
Recreational Cycle Insurance
If you’re planning a relaxed cycling trip and want to explore by bike, our Recreational Cycle Insurance may suit you. It covers non-competitive cycling and light off-road mountain biking (not downhill). We also know you might want to try other activities while you’re away. Our policies include cover for a range of sports, from trekking and bungee jumping to watersports.
Please keep in mind you won’t be covered for Recreational, Touring or Extreme Cycle Insurance unless you’ve bought these policies.
Touring Cycle Insurance
If you love off-road mountain biking or plan to tour a country by bike, our Touring Cycle Travel Insurance may suit you. It includes extra cover for touring and non-incidental off-road mountain biking (not downhill). Perfect for cycling enthusiasts looking for more adventure.
Extreme Cycling Insurance
If you enjoy downhill mountain biking, racing, or BMX tricks, our Extreme Cycle Travel Insurance may be for you. It includes extra cover for BMX, downhill mountain biking and more. Check the policy wording for full details.
Our policies cover bicycles worth up to £2,500. You can upgrade your bicycle cover to up to £5,000. All of our Cycle Insurance policies cover your bicycle in the case of theft and accidental damage.
Please check the policy wording for full details on our cover.
You can upgrade to Extreme activities cover if you’re taking part in a Triathlon.
Essential cover & upgrade options for tailored cover
We cover all the essential elements of your holiday including medical expenses, cancellation, curtailment, personal effects, legal costs and expenses. We also offer you the option to upgrade your cancellation cover, useful if you have booked something like a course and would like to cover the expense of your fees in case you are unable to attend.
Clearly your bike is an essential element of your cycling holiday. Our policies cover bicycles worth up to £2,500 but we also offer you the opportunity to upgrade your bicycle cover to up to £5,000. All of our Cycle Insurance policies cover your bicycle in the case of theft and accidental damage.
The Bike: the most important part of cycling
We understand that for cycling enthusiasts your bike is an incredibly essential element of your cycling holiday. Our policies cover bicycles worth up to £1,000 but we also offer you the opportunity to upgrade your bicycle cover to up to £5,000. All of our Cycle Insurance policies cover your bicycle in the case of theft and accidental damage, meaning you won’t be left stranded if something happens to your bike.
With Optimum policies, personal accident or damages caused during your trip are covered up to £30,000.
Cycling insurance for everybody, everywhere, everytime
If you’re planning a holiday with your partner, family or taking the trip on your own we offer individual, couple, family, and single parent policies. Our Cycling Insurance offers you cover for an international choice of destinations, including the UK, with our Single Trip policy offering up to 90 days of cover. We also offer an annual multi-trip policy, with 31 days of cover, ideal if you plan to travel throughout the year for various competitions, events or festivals in the international cycling calendar.
In addition to the extensive cycling cover on our Extreme policy, we know that there may well be other activities or sports you want to try out when you’re away. Our policies provide you with cover for a number of different sports, water sports and extreme activities including bungee jumping. So if you’re looking for extreme sports travel insurance, it’s not just about the cycling.
* Please ensure you refer to the policy wordings for a detailed explanation of cover extreme sports travel insurance.