CityCyclingEdinburgh Forum » Questions/Support/Help

Insurance when cycling abroad

(5 posts)
  • Started 9 years ago by Its_Me_Knees
  • Latest reply from Its_Me_Knees
  • This topic is resolved

  1. Its_Me_Knees
    Member

    I'm going on holiday to foreign parts and want to do a couple of excursions with a pal (borrowing his spare road bike for that purpose). I think I need to be insured against accident and injury as well as having theft (of bike) and third party cover.

    My home insurance actually includes travel insurance but annoyingly this does not include cover for cycling while abroad. I looked at the insurance company's stand-alone travel product and that too is a bit cagey in that it only covers cycling (and indeed other listed activities) when "...your hotel, holiday organiser or a recognised provider of the service has arranged them." which doesn't apply in my activity...we're just two buddies doing a couple of 60-70 milers off our own back, not part of an organised event.

    I looked at the product that is sold through the CTC, but they wanted £119 to cover me for the trip, which seems a lot to me. It also duplicates the cover provided by the travel insurance that I already have...I really just want a product that'll cover me simply for cycling.

    Has anyone managed to arrange such insurance for themselves before? If so, any recommendations on which companies to use..?

    Posted 9 years ago #

  2. chdot
    Admin

    Butterworths has insured 'cycling' for years.

    So ought to be worth contacting -

    http://www.cyclesure.co.uk/more_info.asp?current_id=61&desc=getting%20a%20quote

    Posted 9 years ago #

  3. gembo
    Member

    It'sme knees

    Yes I had simlah probs getting the insurance wanted - bike contents for flight bizarrely and bike insurance third party abroad, not health insurance abroad.

    End up going with policy I was able to cancel on return, not sure how that happened noe whether I was actually covered.

    Posted 9 years ago #

  4. Roibeard
    Member

    For last summer's Scandanavian tour I went for Cyclosure, although the company behind it was Towergate (not Butterworths).

    I think I did compare the CTC one, but like yourself have some coverage from my home insurance.

    I primarily wanted the insurance for accidental damage and missing the return ferry, both of which could have been rather expensive...

    Incidentally, there is the same issue with scuba diving holidays, with most travel policies covering incidental diving (or cycling), but presumably not trips where you deliberately plan to cycle or dive, or which could be classed as "diving holiday" or "cycling holiday".

    Don't ask me where incidental becomes purposeful!

    Robert

    Posted 9 years ago #

  5. Its_Me_Knees
    Member

    Thanks all. Seems like the only options (with the least dubiety about coverage) involve duplicating my existing travel insurance. In the end I went for the CTC option, simply because it (presumably) indirectly supports the CTC, and because of the 10% discount. But it is still a lot of dough to cover two or three run outs on my hollibobs.

    And no-one seems absolutely certain that they are 100% covered regardless of the size of the mountain of verbiage they throw at you when you buy the product. Such is the way of insurance, I guess...

    Posted 9 years ago #

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