Cycle Touring Travel Insurance
Travel Insurance Designed for Cycle Touring Adventures
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Medical treatment abroad & repatriation
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Cover for touring bikes and equipment
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Trip cancellation cover
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Recognised for our specialist approach
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Exceptional-rated cover from thousands of active travellers.
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Buy with confidence with cover
underwritten by a leading insurer.
What does cycle touring travel insurance cover?
Our cycle touring travel insurance combines specialist cycling cover with the essential protection you need for an overseas trip.
It supports all styles of touring, ideal for multi-day tours, self-supported routes and international cycle holidays.
Alongside cycling-specific cover for touring bikes and cycling equipment up to £5,600, activity fees and search & rescue, this policy can also protect you for emergency medical treatment and repatriation, trip cancellation or curtailment, travel disruption, personal liability and other unexpected travel costs.
It’s designed for trips where cycling is a central part of your plans, helping protect both your tour and the wider journey.
Alternatively, there’s the option to extend your current travel policy by adding our cycle touring bolt‑on for the days you ride.
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. Read these documents to fully understand what is and isn’t covered
How much does cycling touring insurance cost?
The cost of your cycle touring insurance will first depend on the sports cover plan you choose; Bronze, Silver or Gold. Each option includes different cover limits, so you can select a level of protection that suits your trip.
Your personal and travel details will also affect the price, including your age, where you’re travelling to and how long you’ll be away.
Your cycling requirements are another factor. This can include the type of cycle touring or bikepacking you plan to do, as well as the level of cover you need for your bike, equipment and other cycling gear.
Review our example price and get a quote tailored to your cycle tour or bikepacking adventure.
Pricing example
£27.40**
Example quote is based on:
- Sport Selected Cycle Touring
- Sports Group Group 2
- Package Bronze
- Policy Single Trip Travel Policy
- Duration 5 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 15/09/2026 for a 5-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 you need cycling tours insurance?
Protect your touring bike and equipment
Damage or theft can derail your journey and leave you facing costly repairs or replacements.
Medical treatment can cost thousands
A crash or illness abroad may lead to significant medical expenses and repatriation costs.
Travel disruption can affect your whole trip
Cancellation, delays or missed connections can put multiple bookings and pre-paid costs at risk.
Hear from our experts
“Cycle touring often means travelling long distances with your bike, luggage and essential equipment, sometimes through remote areas or across multiple destinations. That can make accidents, mechanical problems, theft or travel disruption harder and more expensive to manage.
Careful route planning, suitable safety equipment and a well-maintained bike can all help reduce the risks. Even so, an injury abroad, damaged touring gear or a cancelled connection can quickly affect the rest of your journey.
Our cycle touring travel insurance can help cover emergency medical treatment and repatriation, trip cancellation, delays, lost or damaged cycling equipment and other unexpected costs, helping protect both your route and the kit you rely on.
We’ve supported cyclists and active travellers for more than 30 years, so you can keep moving with confidence, 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 was on a Cycling trip in Sapin where they unfortunately lost control while cycling and had a fall. Because they had taken out our Cycle Touring Insurance, they were covered for the medical assistance they received as a result of their accident.”
Total Paid Out
£1,543.56
Claim Type
Medical Assistance
Policy Type
Cycle Touring Insurance
Incident
Medical assistance
Policy Excess Applied
£90.00
Location
Spain
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 disciplines of cycling 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 Travel 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, you are covered to take part in group tours, provided this is within your policy date schedule.
We can cover for cycling events or races, please ensure you select the relevant cycling activity when taking out the policy ensuring it does not exclude competitions or events.
Please get in contact with us should you have any questions regarding specific event coverage.
Yes, our Sport Travel Cycle Touring Insurance can cover for cycling equipment under our Specialist Sports Equipment benefit up to £5,600. Please refer to our policy wording booklet for specified exclusions.
An e-bike is covered under cycle touring travel insurance provided the bike meets EACP regulations, maximum travel is 20mph and maximum 250W.
Yes, tour duration will have an impact on the number of days we are providing you with cover and possibly the sports group your activity falls within, which will have an effect the policy premium.
Please contact us if you have any tour/event specific questions.
Under our policy regions are divided into 3 zones Zone 1, 2 and 3. When you get a quote, please specify which zone you will be travelling to ensuring you have selected the right cover.
- Europe
- Worldwide (excluding the USA & Canada)
- Worldwide (including USA & Canada)
If the Foreign Office has advised against travel to a specific country, we are not able to cover you.
The maximum amount of coverage we can offer under our Specialist Sports Equipment benefit within the Sports Travel policy is £5,600.
Yes, our Cycle Touring Insurance can generally be taken out even if you have a medical condition. We can almost always offer cover at no extra cost, but occasionally our underwriters may apply special terms if you subsequently needed to make a claim relating to your condition.
Yes, our Cycle Touring Insurance can cover multi-country cycle tours providing you are staying within the zone selected when taking out the policy.
Not always, some policies will only include cover for recreational cycling. Our policy can cover a large range of cycling activities including road cycling, downhill mountain biking, and cycle touring.
Yes, our Specialist Sports Equipment benefit under our Sports Travel policy can provide cover up to £5,600.
Our Specialist Sports Equipment benefit under our Sports Travel policy can cover for hiring replacement equipment, the value of the damaged equipment or the cost of repair, whichever is less, up to the limit in the policy benefits section of your schedule.
You can insure you bike whilst on holiday by adding equipment cover to your policy. We provide up to £5,600 in equipment cover, which will protect your bike and any related equipment should it get stolen or lost whilst on holiday.
Our Cancellation and Curtailment benefit can cover for injury sustained after the policy was purchased and prior to the start of the trip, subject to terms, conditions and exclusions of the policy wording.
Yes, emergency medical evacuation is provided within remote areas except in territories not mapped on maps issued by the nearest local authority or in areas more than one-hundred and fifty (150) kilometres from the nearest habitation.
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 cycle touring travel policy covers you should you need to cancel a trip due to serious illness or injury that prevents you travelling.
Our Specialist Sports Equipment benefit under our Sports Travel policy can cover for hiring replacement equipment, the value of the damaged equipment or the cost of repair (whichever is less) up to the limit in the policy benefits section of your schedule.
Yes, our Cycle Touring Sports Travel and Activity TopUp policies can cover for personal liability claims up to £2,000,000.
We can cover for expenses incurred as a result of your sustaining an injury, subject to terms, conditions and exclusions of the policy.
Please consult our Sports Travel policy wording or contact us should you require any clarification.
Our cycle touring policy will cover your bike under sports equipment, if it’s stolen. You will need to have taken reasonable precaution to secure your bike to ensure it’s covered. During your trip you will also be covered to hire equipment if yours has been stolen so you can still participate in planned activities.
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