BICYCLE HOLIDAYS and races overseas ARE AMAZING…
…till you uncover your journey insurance coverage doesn’t truly cowl biking.
We are able to have a look at Santander’s journey coverage as a reasonably typical instance of a excessive avenue journey insurance coverage coverage. It comes free with a few of their financial institution accounts, and lots of our clients have one among these insurance policies. However there are large gaps for biking.
The Santander coverage states: “We don’t cowl competitions or races of any form . This contains training for velocity or time trials . We additionally received’t cowl you should you’re participating as an expert” which implies should you have been participating in a triathlon, and even only a coaching camp, you’d be uncovered. It’s a lot the identical story with NatWest’s premium ‘Black Journey insurance coverage’, which states “You aren’t coated should you participate in any exercise, the place such actions are undertaken for aggressive or racing functions”
In case you have been to injure your self whereas doing any of those actions, the journey insurance coverage wouldn’t cowl your emergency medical prices, or the prices of getting you residence.
We’re not attempting to single out any specific journey insurance coverage supplier. All of those exclusions are typical of a excessive avenue journey insurance coverage coverage, and are available up repeatedly. These restrictions usually are not supposed as “small print” to get out of claims, nor are any of those firms attempting to trick you into shopping for one thing that doesn’t suit your necessities; these insurance policies simply haven’t been designed with biking holidays or racing in thoughts.
The reality is that biking as a sport is a distinct segment pastime, and identical to should you have been happening a ski vacation, you want a specialist journey insurance coverage if you wish to do it overseas.
What’s the important objective of your journey?
Though a few of the on-line journey insurers will present a hazardous exercise extension, it’s essential remember that there’s yet one more very important hurdle to navigate… What’s the important objective of your journey? In case you’re studying this text, the possibilities are that you simply’re going away on a biking vacation. If we refer again to the Santander sports activities and actions coverage wording part, they state:
” Please keep in mind we received’t cowl you if the exercise is the principle motive for going in your journey .”
I feel its secure to say that might clearly rule out a biking journey to Mallorca or mountain biking in Morzine.
MAKE SURE YOU’RE COVERED
Our recommendation: don’t assume your journey insurance coverage covers biking. The very last thing you need is to finish up with is a €10,000+ medical invoice as a result of your coverage didn’t cowl downhill mountain biking in Morzine, or racing the gorgeous Château de Chantilly Triathlon in France.
Earlier than you set off, double examine your insurance coverage paperwork. If it isn’t clear within the coverage wording, give your insurer a name and ask these questions:
-Am I coated when biking is the first objective of my journey?
-Does the insurer differentiate sorts of biking and is my chosen type coated?
-Do I’ve to purchase an ‘add on’ for biking along with the coverage I have already got?
-How are sportives categorised? Are they a experience or a race?
-If racing, are there most distances or durations?
Are you coated?
In case you’ve double-checked your coverage and you’ve got the duvet you want, there’s no motive to swap. We hope you’ve an excellent time.
In case you don’t have the suitable cowl, you’ll be glad to know our cycle journey insurance coverage covers all types of using overseas, be it a household vacation, charity cycle experience, MTB journey or aggressive race.
Our short-term and annual multi-trip cycle journey insurance coverage insurance policies include all the advantages you’d count on from journey insurance coverage, together with cowl for journey cancellation, repatriation and medical bills. Plus, you get cycle-specific perks like race payment cancellation, emergency cycle rent and public legal responsibility included as customary.
Most significantly, you’re coated for as much as £10 million in medical bills and repatriation should you injure your self whereas biking overseas. Ironman, downhill mountain biking, endurance bike-packing, the lot.
Get an prompt on-line quote
The Santander coverage was accessed and all data was verified as appropriate on 24/04/2024
