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Cycle & Triathlon Insurance: Our Product Range

Travelling by bicycle is great way to really get to know a country and have some amazing travel experiences along the way. Our Cycle Insurance product has been created by people who love to travel and also love cycling. This has helped us to develop a policy that anticipates the needs of every type of cyclist.

 

Explore the world on a bike

The beauty of exploring the world by bike is that you can set your own route. Whether you prefer your cycling trip to be a part of a relaxing holiday or you want to challenge yourself by taking on some of the world’s more extreme cycle routes, ERGO Cycle & Triathlon Insurance offers three different levels of cover for you to choose from depending on the style of your trip; and our Extreme product also offers an option to include cover for taking part in Triathlon events*.

* Please ensure you refer to the policy wordings for a detailed explanation of cover

 

Element Protect Optimum

Theft of your bicycle

Should your bicycle or equipment be stolen, we’ve got you covered

Up to £1,000

Up to £1,000

Up to £1,000

Cancellation

Reimbursement for losses incurred by third party cancellation of travel and or accommodation

Up to £1,500

Up to £3,000

Up to £5,000

Accidental damage to your bicycle

Reimbursement for loss or damages caused by third parties

Up to £1,000

Up to £1,000

Up to £1,000

Personal Accident

Reimbursement 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 the style of your holiday is more geared towards relaxing with a leisurely cycling trip and you are planning on taking your bike along with you to explore the local area, our Recreational Cycle Insurance product may be the right policy for you. Recreational covers you for non-competitive recreational cycling and incidental cover for off-road mountain biking (non-downhill). In addition to the Recreational cover for cycling we know that there may well be other activities or sports you want to try out. Our policies provide you with cover for a number of different activities including trekking, bungee jumping and a variety of watersports to name but a few.

Our Cycling Insurance covers a worldwide choice of destinations, including the UK if you’re staying at home; offering up to 365 days of cover on one single trip or an Annual Multi Trip policy if you plan to travel more than once throughout the year.

 

Touring Cycle Insurance

If you’re a cyclist who enjoys doing off-road mountain biking or are planning on touring a country by bike then our Touring Cycle Travel Insurance is for you. Covering you for all the activities included in our Recreational Cycle Insurance policy, our Touring policy is ideal for any cycling enthusiast and offers additional cover for touring and non-incidental off-road mountain biking (non-Downhill).

Whether you’re planning a holiday with your partner, family or are taking the trip on your own we offer individual, couple, family and single parent policies. ERGO Cycling Insurance offers you cover for a worldwide choice of destinations, including the UK, and up to 365 days of cover on one single trip, ideal if you’re planning on touring, maybe to really get to know one country or to experience a few different countries over a few weeks or months. We also offer an Annual Multi Trip policy, ideal if you know you plan to make a few cycle tours throughout the year.

 

Extreme Cycling Insurance

If cycling for you is all about the thrill of mountain biking downhill, crossing the finish line at a track or road event, or showing off your BMX or freestyle tricks, and you want to experience new cycling challenges across the world, then our Extreme Cycle Travel insurance may be just what you are looking for. With the same covers as our Recreational and Touring policies, the Extreme policy also covers you for BMX-ing, downhill mountain biking, freestyle, time-trialling and track & road racing.

As people who love to travel and also have a passion for cycling, we have designed our Extreme cover with the needs of even the most extreme cycling enthusiast in mind. Participating in a Triathlon is becoming more and more popular with cyclists looking to find new challenges and with our Extreme policy you are able to upgrade your policy to include Triathlon cover.

You can upgrade your Extreme policy to include Triathlon cover.

 

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 £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, meaning you won’t be left stranded if something happens to your bike.

Our policies cover bicycles worth up to £2,500, you can upgrade your bicycle cover to up to £5,000.

Cycling insurance for everybody, everywhere, everytime

If you’re planning a holiday with your partner, family or are 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, and our Single Trip policy offers up to 365 days of cover on one single trip. We also offer an annual multi-trip policy, 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

 

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I was very impressed by the level of service.

They beat the competition by a country mile! Super happy and will most certainly be buying insurance with them again.

ERGO Customer - December 2019