Cycle touring insurance

Cycle-touring, Expeditions, Adventures, Major cycle routes NOT LeJoG (see other special board)
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b1ke
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Cycle touring insurance

Post by b1ke »

Can anyone recommend well priced insurance for cycle touring outside of Europe? I'm heading to Morocco and maybe beyond the week after next.

Cheers in advance....
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irc
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Re: Cycle touring insurance

Post by irc »

Health insurance or specific cover for the bike? I've always just worried about travel health insurance. I think I've saved enough now but not insuring the bike (other than any cover in my travel insurance) to be ahead if I lose one.
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b1ke
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Re: Cycle touring insurance

Post by b1ke »

I was thinking specifically of health insurance.
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honesty
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Re: Cycle touring insurance

Post by honesty »

Hi b1ke. We offer a travel insurance package here at work (an insurance broker). I have checked with underwriting and cycle touring is covered (not racing though!) Also Morocco looks fine. if you call the sales team on 01823 250 739 or email sales@lloydwhyte.com they should be able to give you a quote.
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b1ke
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Re: Cycle touring insurance

Post by b1ke »

Thanks for that. I've just gone with JS Insurance. Very cheap.
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simonhill
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Re: Cycle touring insurance

Post by simonhill »

Do a search (box top right), this has been discussed loads of times.

I use insureandgo, annual policy up to 90 days each trip about £80. Cycle touring explicitly covered.
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BeeKeeper
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Re: Cycle touring insurance

Post by BeeKeeper »

It is worth mentioning that unless cycle touring is specifically mentioned in a policy it probably isn't covered. It may mention cycling but in the fine print there may be a low limit on the number of days or some other restriction. I've been caught out by this when I discovered my insurer classed cycle touring as a dangerous sport!
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b1ke
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Re: Cycle touring insurance

Post by b1ke »

That's interesting. My cover is for cycling. Possibly explains why it cost less that £18. I'll find out more... Cheers
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b1ke
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Re: Cycle touring insurance

Post by b1ke »

I contacted the company and they've added a cycle touring endorsement to the policy.
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BeeKeeper
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Re: Cycle touring insurance

Post by BeeKeeper »

b1ke wrote:I contacted the company and they've added a cycle touring endorsement to the policy.

That's good news. The devil is in the fine print with all policies. Can you say who you are with?
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b1ke
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Re: Cycle touring insurance

Post by b1ke »

The company is called JS Insurance. Came up on a Google search. I've had a bit of correspondence with them and they've been quick to respond. There's £100 excess on a few bits of the policy which I can live with. I'm hoping that this policy is the only thing I've bought for this tour that I don't use :-)
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pwa
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Re: Cycle touring insurance

Post by pwa »

Tesco travel insurance covers you when you are cycling as transport, but not racing. I read it carefully and it is pretty clear on that point. So my interpretation is that it covers touring. I'm not sure which countries it is valid for.
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BeeKeeper
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Re: Cycle touring insurance

Post by BeeKeeper »

pwa wrote:Tesco travel insurance covers you when you are cycling as transport, but not racing. I read it carefully and it is pretty clear on that point. So my interpretation is that it covers touring. I'm not sure which countries it is valid for.

The only way to be sure is to ask them. The underwriters might consider cycling as trips to the shops, not knocking off fifty plus miles a day. On the policy I had there was a specific daily mileage limit, but it wasn't something that leapt out at you from the documents.
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honesty
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Re: Cycle touring insurance

Post by honesty »

Yes it's always worth checking with the underwriters or at least read the details of the policy wording. I checked with the underwriters for the policy we offer, they called the insurers and confirmed touring is covered. Benefits of sitting next to them though I suppose! ;)
pwa
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Re: Cycle touring insurance

Post by pwa »

BeeKeeper wrote:
pwa wrote:Tesco travel insurance covers you when you are cycling as transport, but not racing. I read it carefully and it is pretty clear on that point. So my interpretation is that it covers touring. I'm not sure which countries it is valid for.

The only way to be sure is to ask them. The underwriters might consider cycling as trips to the shops, not knocking off fifty plus miles a day. On the policy I had there was a specific daily mileage limit, but it wasn't something that leapt out at you from the documents.


I did read the relevant details carefully before using Tesco. I'm not recommending Tesco specifically, just pointing out that bog standard travel insurance can provide cover. But yes, if in doubt give them a call to clarify.
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