Cycling Travel Insurance
Specialist travel cover for cycling disciplines
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Training & sportives abroad
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Cover for bikes and equipment
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Medical expenses abroad
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Exceptional-rated cover from thousands of active travellers.
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What does cycling travel insurance cover?
Our cycling travel insurance can help protect your trip, your health, and the bike and equipment you rely on, with cover designed for overseas training, racing, sportives and social cycling holidays.
This full cycling travel policy combines essential travel cover, including emergency medical treatment and repatriation, cycling trip cancellation and curtailment, with specialist cycling cover.
You’ll find cycling-specific protection for bikes & sports equipment (if they’re damaged or stolen) with extended equipment cover available for higher-value bikes. There’s also cover for cycling activity fees (such as competition entry), personal accident, search and rescue, and more.
Alternatively, if cycling activities are excluded from your current travel policy, add extra cover for the days you ride, from a one-off sportive to an advanced mountain biking holiday.
Our policies provide three different types of cover: Sports travel insurance, Sports accident, and Activity Top-Up. Please ensure you select the most suitable cover for your activity, when you get a quote and always review your policy documents.
Sports equipment is excluded under our bolt‑on cover.
Only a summary of the policy’s coverage is presented on this page. Please refer to policy documents for full details of what is and what is not covered, when you get a quote.
How much does cycle travel insurance cost?
Your cycling premium is shaped by several key factors: age, your destination and the length and frequency of your trip.
It also depends on your cycling discipline and its risk level, the cover limits you choose for medical, trip cancellation and sports equipment, and the value of your bike and kit including any add‑ons.
Review the cycling example and get a quote tailored to your trip.
Pricing example
£16.84 **
Example quote is based on:
- Sport Selected Road Cycling
- Sports Group Group 2
- Package Bronze
- Policy Single Trip Travel Policy
- Duration 2 days
- Destination Europe
- Emergency Medical Treatment £10,000,000
- Trip Cancellation £1,000
- Sports Equipment Cover £200
- Search & rescue £15,000
- See more benefits when you get a quote
**This example is based on a real quote from our website on 26/08/2026 for a 2-day, single trip, adult policy. It is shown for illustrative purposes only. If your circumstances or requirements differ, your quote may be higher or lower. The quote you receive will be based on the information you provide about your activities. Get a quote for pricing tailored to your requirements.
Why do you need Cycling Travel Insurance?
Unexpected incidents can derail your trip
A crash or illness can lead to costly medical bills abroad.
Your bike and kit need protection
Standard travel insurance may not cover valuable cycling equipment.
Delays can disrupt your plans
Cancellations can impact all your trip costs.
Our experts explain why…
“Cycling holidays can involve risks that standard travel insurance may not always cover, particularly when you’re taking part in specialist disciplines or travelling with valuable equipment.
Whether you’re road cycling, mountain biking, bikepacking or joining an organised event, careful route planning, suitable safety gear and a well-maintained bike can all help reduce the risks. Even so, accidents, theft, damage and travel disruption can still affect your trip.
Our cycling travel insurance can help cover emergency medical treatment, cancellations, delays, lost or damaged cycling equipment and other unexpected expenses, helping protect both your plans and the bike and kit you rely on.
We’ve supported cyclists and active travellers for more than 30 years, so you can focus on the route ahead knowing experienced help is there when you need it.”
Chris Trotman – Head of Sales & Underwriting at SportsCover Direct
Thousands rate how easy it is
We’ve refined our process to make buying sports insurance abroad simple but thorough, with cover designed around the activities you take part in, from training trips and competitions to active holidays overseas.
Our Claims Record
Average pay out for each insurance claim
£1,599.09
How to make a claim
Choose your policy, find the forms you need
Download and complete forms
Submit your claims for review
A Recent Claim Example
“One of our policyholders became unwell while in South Africa to play Cricket. They sought medical treatment and were treated for suspected appendicitis, with symptoms of stomach cramps, high fever and nausea. Because they secured our Sports Travel Insurance, they were covered to seek medical treatment.”
Total Paid Out
£5,971.47
Claim Type
Medical Assistance
Policy Type
Sports Travel Insurance
Incident
Medical assistance
Policy Excess Applied
£90.00
Location
South Africa
Disclaimer
Data relates to all SportsCover Direct Insurance claims from Jan to Dec 2025 inclusive. Claim example from 2025.
Medical cover explained
We provide cover that considers your medical circumstances. Complete a medical declaration to ensure you’re properly protected, as part of the quotation process.*
*Please note, just because you’ve declared a medical condition or injury doesn’t mean it is automatically covered. The insurer needs to assess it first and will inform you by email if any terms apply.
Medical conditions must be declared
All pre-existing conditions considered
Cover available up to age 74
We'll review your details
Most declarations don't mean exclusion
Any terms will be confirmed by email
Browse covered sports and activities
You’ll find a wide range of cycling disciplines covered, you can add multiple activities to your policy, we cover over 500. Browse our extensive list.
- Abseiling Insurance
- Adventure travel insurance
- Bikepacking Insurance
- BMX Freestyle Insurance
- Bouldering Travel Insurance
- Bungee Jumping Insurance
- Camel Riding Insurance
- Canicross Insurance
- Canyoning Insurance
- Caving Insurance
- Cycle Touring Travel Insurance
- Cycling Travel Insurance
- Cyclocross Insurance
- Downhill Mountain Biking Insurance
- Extreme Sports Insurance
- Game Hunting Insurance
- Gliding Insurance
- Hang Gliding Insurance
- Ice Climbing Insurance
- Mountain Biking Insurance
- Mountainboarding Insurance
- Mountaineering Insurance
- Orienteering Insurance
- Parachuting Insurance
Why choose us
SportsCover Direct is a specialist insurance provider focused entirely on sport. For over 30 years, we’ve helped athletes, teams and organisations get the protection they need, whether they’re travelling, competing, or training abroad or in the UK.
Covering 500+ sports
Fast online quotes
Established over 30 years
UK-based support team
FAQs
Yes, our policies cover cycling tours and guided group rides as part of your travel insurance for cycling abroad.
Yes – our bronze level policy offers up to £150 towards race fees, our silver level up to £300, while our gold level covers up to £500.
Our travel insurance for cycling holidays covers you for the region you select when taking out the insurance policy with us, providing you are not more than one-hundred and fifty (150) kilometres from the nearest habitation. If you travel outside of this region, the insurance cover will not apply.
We can provide family cycling travel insurance policies; However, all insured persons would need to be listed for the same activity and sports group coverage. We are unable to offer bespoke travel policies.
We can cover you to be away from your country of residence for up to 35/60/90 days per trip within an annual policy (depending on the level of cover purchased) or for up to 365 days away from your country of residence under a single trip policy.
It is possible we may be able to extend your cover period up to these limits, please get into contact with us by phone or email and one of our sales advisors will be able to assist.
Yes, we can provide cover for multiple bikes on a single policy up to the limit shown in your policy benefits section. Our Specialist Sports Equipment can provide cover for up to £5,600 per person by paying an additional premium.
You must declare any medical conditions to us if have been hospitalised or under investigation during the past twelve (12) months for any of the following:
- Any heart/ cardiovascular issue(s)
- Any seizure/ cerebrovascular related issue(s)
- Any auto-immune issue(s)
- Cancer of any type
- Have any serious or terminal illness
- Have scheduled treatments or surgeries or anticipate the requirement for imminent medical or surgical treatments
We can almost always offer travel insurance for cycling abroad at no extra cost, but occasionally our underwriters may apply special terms to medical conditions declared if you subsequently need to make a claim relating to your condition.
We can provide cover for up to £5,600 of sports equipment including electric bikes or e-MTBs maximum 250W, maximum speed 20mph and the bike must meet EAPC regs.
Yes, we can cover for amateur competitions and sportives. Please contact us if you have any questions regarding specific events.
Not always, some policies will only include cover for recreational cycling. Our travel insurance for cycling holidays can cover a large range of cycling activities including road cycling, downhill mountain biking, and cycle touring.
Yes, our cycling travel insurance provides personal liability cover for up to £2,000,000.
Yes, additional travel expenses can be covered as a result of your injury during the trip under our Emergency Medical, Repatriation & Other Expenses benefit up to the limit of £10,000,000.
Yes, our cycling holiday insurance can provide cover for loss or damage to your own equipment or equipment hired to you for the purposes of the activity we are insuring you for up to £600 on our standard levels of cover or up to £5,600 with our Specialist Sports Equipment add on.
Yes – we cover sports equipment from £200 to £600 depending on your level of cover. For an additional premium, our cycling holiday insurance can offer cover up to £5,600.
Our policies will cover anyone up to the age of 74 at the time of purchase. An applicant aged 75 or over cannot be covered.
Yes, our Emergency Medical, Repatriation & Other Expenses benefit can cover for additional accommodation expenses as a result of injury you have sustained during the trip.
Theft is covered under our Specialist Sports Equipment benefit providing it did not occur while the bike was left unattended, and it was locked using a Sold Secure rated lock in accordance with the following accreditation ratings table for Bikes:
Bike Value Accreditation Rating
£0 – £500 Bronze standard Sold Secure lock
£501 – £1,500 Silver standard Sold Secure lock
£1,501 – £5,600 Gold standard Sold Secure lock
There is some cover for your bike, or a bike hired to you on your trip, under the standard cycling policy. However, if needed, you can add on additional cover up to maximum £5,600 against theft or accidental damage.
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Covering over 500 sports with quick online quotes and UK- based support, if you need it.
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