mountain bike trip insurance

Best mountain bike insurance: keep yourself and your steed safe and covered

Always be prepared, with the best insurance policies for your mountain bike

Best mountain bike insurance: US

Best mountain bike insurance: uk.

Most mountain bikers just cover their bikes under their home insurance policy. That’s a bit like wearing half a bike helmet. It might be fine, but it probaby won’t be. To prevent your pride and joy from becoming nothing more than a distant memory, taking out a policy with one of the best mountain bike insurance providers is a seriously worthwhile investment. This is especially true if you travel with your best mountain bike and race throughout the season.

Dedicated bike insurers — and a handful of honorable generalists — not only cover your bikes to rather more realistic levels of value, they also include more real-world coverage, like cover away from your home, on your roof rack, or when mountain bike racing , and often include nice touches like emergency pickup if you get stranded miles from home with a bike failure.

This article looks at some of the best mountain bike insurance you can get, to cover both your bike(s) and yourself. For each insurer, we separate out the package that’d be best for general mountain biking, and what you’d need to add on for travel or racing.

The devil really is in the details when it comes to insurance. Most of the companies we’ve listed here are highly rated for customer service and staffed by bike experts, but even the loveliest claims handler won’t be able to pay out if you haven’t met the terms of your policy. We list out things to check for below, including the grade of best MTB bike locks you need, where you can store your bike overnight, and whether it needs to be locked when you store it inside.

Policies and underwriters do change — as former cyclists' favorite PedalCover has done —  so be sure to check for things that are important to you, before you buy. All the ones we’ve listed are specialists, though we’re currently hearing good things about Barclays and Halifax in the UK as well, so do phone around. 

High prices don’t always correlate with good service, though decent comprehensive cover rarely comes cheap. Often you can expect to pay five to ten percent of the value of your main bike, or £100-300 for a mid-range MTB.

What to look for when it comes to mountain bike insurance

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• Does the insurer pay for a new replacement, or your bike’s secondhand value? All the insurers we’ve listed below pay new value, though some have a cap on bike age.
• Is compensation in cash or via ‘preferred retailers’?
• Keep your receipts for everything, including your bike locks, upgrades, etc., and keep your replacement valuations up to date
• Where can you store your bike overnight? Is your shed excluded? Do you need to lock it within your garage?
• What kind of lock do you need? Most insurers specify bronze, silver or gold certified locks depending on the value of your bike 
• What’s limited? E.g. must a recovery service be within 30 miles, and limited to three times a year?
• What’s excluded? E.g. e-bikes may be specifically excluded. 
• Even if terms like ‘racing cover’ seem obvious, check what the insurer actually means. For some it means you’re covered for damage, injury and liability at races; for others like Cycleguard it also extends to recovering costs if you’re injured and can’t go. 

All of the following providers tend to get good ratings from cyclists.

Velosurance

Specifications, reasons to buy.

Insurance in the US is complicated and there are a lot of different ways you might find some form of coverage. What is hardest to find is coverage for a bike that makes sense to a cyclist. That's where Velosurance comes in. They simply understand what a bike might mean in a way that many US insurance options don't.

Best package for general mountain biking 

Velosurance is all about covering your bike in the way that people use bikes. You set the value of the bike, including upgrades, as part of the policy and once it's agreed to that is what's available for payout. You'll only need to add to the standard policy if you need coverage beyond covering the bike. 

Best package for traveling and racing

"Racing, even as a pro, is accepted as normal use of your bicycle and is covered" without needing to make any special changes to the policy. That coverage only applies in the US and Canada though. It does cover transportation by land and air but once you head out of those two countries, you'd need to purchase the Worldwide Physical Damage Coverage Extension.

Sundays is a cycle insurance specialist that has two package options — one for cyclists and one for their bikes — you can combine them as you wish. It focuses on fast resolution of claims, and one nice bonus is that it doesn’t increase your premium when you claim. It uses the same underwriter as Wiggle, so you’ll spot some similarities (e.g. the not-enormous injury cover) but some differences (e.g. Wiggle includes taxi recovery).

Sundays’ core package covers mountain biking and e-bikes, and includes familiar and useful elements such as kit and wheelsets, and accidental damage on roof racks.

You can add optional travel cover and optional racing cover to your policy, and if you’re racing, you probably want to have both ‘cyclist’ and ‘bicycle’ cover (note that racing cover excludes riding in a peloton).

Other types of insurance 

USA Cycling membership doesn't cover your bike but it does help fill in health insurance coverage gaps during events. It's there as "supplemental accident medical coverage" and "will pay 70% of the Reasonable and Customary remaining expenses ABOVE the deductible, up to a limit of $25,000." 

Yellow Jersey

As the official supplier to the British Triathlon Federation, Ride London, and Cycling UK, Yellow Jersey is very much angled to what serious cyclists need. At renewal, it gives you a 25 percent discount, even if you’ve claimed before, and a single policy can be used for up to £50,000 bike value. Its liability insurance even covers you on hire bikes.

Essentials covers theft, personal injury, accidental damage and public liability. It also includes family cover and some multi-bike discount, but no travel cover or event cover.

Ultimate, which includes racing worldwide travel, crash damage, damage to bike boxes and theft from transition areas. It also includes a 60 percent multi-bike discount and taxis home (in the UK) if you have bike trouble 

British Cycling’s insurer of choice, Bikmo prides itself on being run by cyclists.

If you already have medical and personal accident cover, the basic ‘Go’ cover works well, with year-round worldwide cover, theft and accidental damage, bike box cover, 24/7 cycle hangar parking, excess-free replacement via local retailers, and 50 percent multi-bike discount. It even includes race fee cover. If you need the medical cover and personal liability, upgrade to the mid-level Plus cover.

The Race package adds road, crit and circuit racing, but if you’re only racing off-road, then the Plus cover would be all you need, especially as it includes travel.

Velosure is a warmly rated cycle specialist that gives flexibility to customize your own package, and a detailed and transparent website.

Velosure’s core bike package covers a lot of the things that are added extras on other policies, including racing, European cover, and replacement cycle hire. 24/7 cycle rescue, triage, physio, and initial legal advice add to the list

Racing and European cover is covered on the core package; worldwide cover is an optional extra. (Racing, travel, and other features are optional extras on e-bike cover)

Pedalsure is super-flexible on the amount of cover you can choose, so it's worth a look if you are after higher than normal coverage, for instance. You get a free Hiplok D-lock with higher-value policies and a maximum individual bike cover of £15,000.

Your insurance package is tailored as you submit it, so as you fill in your online form it asks how much cover you want for accessories (£250-£1,000), whether you’ll be racing, and so on.

You can also choose from three optional levels of personal injury cover (up to £1,000 physio cover, £1,250 dental cover and £50,000 personal accident cover and three levels of loss of earnings cover (£750 a week costs about £85 a year).

If you’re racing you’d click ‘hell yeah’ on the racing question (really), and if you need cover abroad, you’d pick 'racing overseas' as an optional extra

Cycleguard is a long-established and straightforward bike insurance specialist.

Cycleguard’s core package is a solid one, with accessories covered up to £3,500 and injury cover extending to £25,000. Note that legal cover and personal injury cover are optional extras, and this is clear when you fill in the form for a quote. Be sure to check which elements are optional extras when you speak to them, though.

The basic package includes 30 days’ cover in the EU; you can add global cover as an extra. For racing, add the Race and Compete cover option, which lets you recoup race fees, travel, and accommodation if you are injured and can’t make the start line, and things lost in the transition area. 

Wiggle, the hassle-free sports retail behemoth, now provides bike insurance. As well as bike cover, its policies include unlimited accessories and kit insurance – just list what you have. It will also cover bikes stored in your car, as well as those secured to the roof rack.

Essential includes (limited) emergency medical treatment cover, theft, and accident damage.

Elite adds global travel cover, races and sportives, and bonuses such as taxi fare reimbursement and replacement cycle hire.

Cycling UK membership for £48 a year gives you third-party liability insurance and expert cycling legal assistance, and discounts on bike insurance with Yellow Jersey and Pedal Cover. 

British Cycling offers similar liability insurance, legal support, and insurance discounts, plus the option of liability insurance and legal support for racers. 

Sportscover Direct is worth considering as an addition if your current bike insurance meets most of your needs but excludes something specific, like overseas competitions, or jumps. Fun fact: it can also cover you for ‘medieval combat with steel weapons’ if you need them to. Bicycle jousting, anyone? 

Sean has old school cycle touring in his blood, with a coast to coast USA ride and a number of month-long European tours in his very relaxed palmares. Also an enthusiastic midpack club cyclocross and XC racer, he loves his role as a junior cycle coach on the Kent/Sussex borders, and likes to squeeze in a one-day unsupported 100-miler on the South Downs Way at least once a year. Triathlon and adventure racing fit into his meandering cycling past, as does clattering around the Peak District on a rigid Stumpjumper back in the day.

Height: 173cm

Weight: 65kg

Rides: Specialized Chisel Comp; Canyon Inflite CF SLX; Canyon Aeroad; Roberts custom road bike

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Mountain Bike Insurance | The Ultimate Guide

The best guide to understanding mountain bike insurance and its benefits.

Mountain Bike Insurance

There’s nothing quite like heading out for a day on the trails. Whether you’re in it for the exercise or to get some shredding in, we understand that insurance probably isn’t on your radar — and we get it. Safety and risk mitigation isn’t exactly … exciting. But ensuring your mountain bike and riding gear are protected shouldn’t be something you overlook.

Let’s break down mountain bike insurance and take a step-by-step look at why it’s effective and, quite frankly, a necessity.

I rent an apartment. Does my renter’s insurance cover mountain bike theft?

There are a few ways to answer this question. Technically, if your mountain bike is stolen from your apartment, your renter’s insurance will likely (in theory) cover it — but there are some important conditions that we’ll get into shortly. This assumes you have personal property coverage which is generally included in most renters insurance policies anyway.

Personal property coverage usually ensures you’ll be paid out to replace your belongings in case of “peril.” “Peril” in this case refers to things like unexpected theft, damage, fire, etc. So basically, if something bad happens and all your “stuff” goes missing or gets damaged, renters insurance will give you a certain amount of money to replace your “stuff.”

However! And this is a pretty big however! The full cost of your mountain bike probably isn’t covered. Plus, if something happens to your mountain bike when it’s not at home, you’ll probably only receive partial benefits. Let’s walk through an example and say your mountain bike is valued at $1,000 and your renter’s insurance deductible is $2,000.

If your mountain bike is stolen from your apartment:

Because your mountain bike is worth less than your deductible, you may have to pay the $1,000 to replace your mountain bike out of pocket. Alternatively, the way your renter’s insurance pays out benefits might be broken up into categories. For example, if we say that you have $10,000 in total coverage, it’s likely that only a percentage of that money goes towards things like bikes, helmets, and other athletic assets.

If your mountain bike is stolen while you’re at work (or any location that isn’t your apartment):

You’ll have to check your renter’s insurance policy for the details but in general, you’ll be paid out a percentage of your mountain bike’s value. If we assume this percentage is 10%, you’ll get 10% of your bike’s value.

Again, each renters insurance policy is different so it’s important to check your policy for the fine print. We’re just saying that it’s unlikely your renter’s insurance will pay the full cost of your mountain bike if it’s stolen, regardless of where it was stolen from.

Plus, even if your renter’s insurance policy does pay out the full amount for your stolen mountain bike, there’s a strong chance your premium is going to go up. This means that while you won’t have to pay a ton out of pocket once it’s stolen, you’ll pay for it over time — a little bit more every month, quarter, or year. Kinda sneaky, right? We think so, too.

Don’t even get us started on accidental mountain bike damage. The majority of mountain bikers aren’t going to be using their ride at home inside their apartment. The whole point is to take them out on the trails, right? This means your mountain bike is more likely to be damaged away from your apartment than it is inside of your apartment.

If your mountain bike falls off of your roof rack on the way out to a ride, how well do you think that’s going to go over with your carrier? Spoiler alert: at best, it’s going to be very challenging.

So what can I do to get better coverage for my mountain bike?

The good news is that there are a few options. One is easier and more effective than the other. Let’s start with the harder one.

You can get a scheduled personal property endorsement with your renter’s insurance carrier. This means you get your mountain bike appraised and send over a bunch of paperwork to your provider. They’ll take a look and agree or disagree to specifically cover your mountain bike in the event of peril. What this means is that you’re more likely to get a bigger payout check if something happens to your mountain bike while you’re at home.

But what if you’re injured out on the trails? What if you incur medical bills? What if your mountain bike was damaged and you can’t participate in the race this weekend? Well, your renter’s insurance scheduled personal property endorsement isn’t going to solve those problems. But mountain bike insurance will.

What is mountain bike insurance?

Mountain bike insurance is a stand-alone policy that cyclists hold in addition to other policies like renters, homeowners, or umbrella insurance. Because it’s a stand-alone policy, it has more benefits and offers coverage that’s specific to owning a mountain bike like:

• Full-value mountain bike coverage
• Mountain bike crash and collision damage
• Mountain cycling accessory, apparel, and gear coverage
• Replacement mountain bike rentals
• Roadside assistance in case of emergency
• Coverage for damaged or stolen mountain bike spare parts
• Mountain bike theft from your home, condo, or apartment
• Mountain bike theft from work or other locations that aren’t specifically your home
• Vehicle contact coverage

A pretty comprehensive list, huh? If you choose the right mountain bike insurance carrier and it’s time to make a claim, your premiums won’t go up and you won’t be hassled.

Psssstttt! If you belong to a bicycle association, you’re also likely eligible for 10% off your policy with Simple Bike Insurance!

In addition to stand-alone mountain bike insurance benefits, you’ll likely also have the option to include add-ons specific to you and the way you ride like:

• Mountain bike event fee reimbursement
• Mountain bike racing coverage
• Worldwide mountain bike transit and travel damage

So not only do you get more benefits than traditional renters insurance, but you’ll also get to pick and choose policy add-ons to fit your mountain cycling lifestyle.

How much is mountain bike insurance?

This is obviously going to depend on which carrier you choose. If you live in the United States and Canada, Simple Bike Insurance offers policies starting at just $100. Plus, you get to build your own policy and if you’re in a bike association, you get some sweet discounts.

We won’t raise your premiums if you make a claim because we understand that sometimes bad sh….things happen. Our goal is to get you the mountain bike insurance policy that meets your needs and doesn’t break the bank. We offer instant mountain bike insurance quotes so you can see exactly how much you’d pay in just a few seconds (seriously, it takes like a minute or two).

Ready to get started but have some questions? Talk to us. We’re here around the clock to answer your calls and emails. And, bonus points, we’re cycling enthusiasts too.

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Velosurance is a national insurance agency founded by two cyclists in response to the insurance needs of bicycle riders nationwide. We partnered with an A.M.Best “A” rated, US insurance company to provide a multi-risk policy offering protection to all types of cyclists.

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Best insurance for your mountain bike

Whether the accident is a simple mishap or a someone's negligence, and if it happens on a ride, at home, or in transit, it's covered.

Crash Damage

Your bike is covered if it’s damaged in a crash. On a road or trail, a group ride or a race, if it’s damaged in an accident, it’s covered.

Theft Coverage

If your bike is stolen from your home, car, workplace or any other secure location, it’s covered.

Medical Coverage

If you’re hurt, we'll cover some of your medical bills, up to the policy limit. This coverage pays to supplement the deductible of your personal health insurance policy.

Velosurance for mountain bikers

Out of all cyclists, mountain bikers are the type that most often identify cyclicing as an integral part of their lifestyle. It’s also not surprising that they spend a significant amount of time and money pursuing their hobby and are more likely to own more than one bike. With many riding styles, from cross-country to downhill, bunched under a single umbrella of mountain biking, it’s easy to see how this hobby can captivate the attention of many.

Those “not in the know” think of mountain biking as an extreme sport. While definitions are subjective, the statistics do not lie: the injury rate in mountain biking is higher than any other type of cycling. Crashing is simply an integral part of mountain biking, it's something that happens when riders push their personal limits while trying to progress. Unfortunately, personal injury is not the only risk that mountain bikers subject themselves and their bikes to.

As the most accident prone of cyclists, mountain bikers could benefit from additional coverage to protect themselves from unexpected financial losses. Optional Medical Payments can cover the gap created by out-of-pocket deductibles and copays, and those who chase the thrill of mountain biking internationally, can extend coverage to anywhere in the world with the Worldwide coverage option.

Crash damage coverage

On a road or trail, a group ride or a race, if it’s damaged in an accident, it’s covered.

Is it undoubtedly true that experienced mountain bikers crash less, but even those with years of experience are not immune. By its very nature, mountain biking is a physically demanding and challenging sport, and there is always a risk of crashing when riding on rough terrain or attempting tricks or stunts. Luckily, most of the crashes are not serious, often resulting in nothing but a bruised ego and a few scratches on the bike. But once in a while there’s an unlucky crash that can make you question your choice of a hobby, and that’s when people start thinking about insurance.

While mountain bikes are designed to be robust and capable of handling the demands of off-road riding, they fare much worse in side impact situations, especially when the frame or protruding parts such as the derailleur, meet a rock. Carbon fiber has an exceptionally high specific strength, but being stronger than steel and aluminum, is not as impact-resistant.

Our base policy provides coverage for crash and accidental damage. It also provides up to $500 coverage for the riding apparel, gloves, shoes, sunglasses, and the helmet. If you have a spare wheelset or other spare parts, they are also covered up to $500 per loss, $1,000 limit for the policy term.

Theft coverage

The new enthusiasm around bikes paired with logistical challenges, threw off the balance in the bicycle market, spiking the demand amidst limited supply. This perfect storm has increased bike theft by approximately 24% since 2019. To make matters worse, bike theft is the most underreported and least often solved crime.

A wide availability of battery operated cutting tools makes bike theft incredibly easy: most U-locks, chains and cable locks provide less than a minute of security against an electric angle grinder. Thieves are now casing public garages, shopping mall parking lots and even residential neighborhoods.

The basic bicycle insurance policy from Velosurance provides coverage for theft from and away from home. When left unattended away from home, the bike must be secured to an immovable object, such as a cemented bike rack.

Velosurance covers all types of mountain bikes

This sport, which reaches far and wide, has attracted a diverse and passionate community of riders. Whether you speed down a singletrack, explore the backcountry, or get gnarly at a bike park, you’re a mountain biker. So no matter how big your tires are or how much travel is in your fork, it’s covered.

XC & Trail bikes

Cross-country, trail, downcountry and Enduro, bikes designed to tackle anything from local singletrack to all-day epics with ease and efficiency.

No matter what mountain biking discipline you’re into, there’s an electric bike available that will take your ride to the next level.

The high-speed, high-adrenaline take on mountain biking. These rigs are equipped with endless suspension, super slack geometry and extra-burly components.

Medical coverage

This optional coverage will pay the leftover bills once your primary health insurance has paid its share.

A higher risk of injury when mountain biking is not a surprise for anyone, it’s a reality riders accept when they decide to try this sport. While most injuries aren’t serious, the more one rides, the higher the likelihood of eventually suffering an injury that will require serious medical attention.

Riding a mountain bike without adequate health coverage is generally not a good idea. A broken collar bone or a torn ligament is enough to land one in an emergency room and require surgery followed by a lengthy recovery period. The final bill might be large enough to cause financial strain, or even bankruptcy.

Medical payments is an optional coverage on a policy from Velosurance designed to cover the remaining medical bills, once your primary health insurance takes care of their share. This usually includes the out-of-pocket deductible and emergency room and facility copays.

We cover electric mountain bikes too!

Our normal coverages also extend to e-bikes, including electric mountain bikes.

Not so long ago electric mountain bikes were very polarizing with the riders, trail advocacy groups and the regulators, all trying to find a compromise with those who discovered how fun eMTBs actually are. Electric mountain bikes are exciting because they offer the same thrilling experience of traditional mountain biking with the added benefit of electric assistance.

In addition, e-mountain bikes can provide a sense of adventure and exploration, as the electric assistance can allow riders to venture further and tackle more challenging trails. They can also be a great option for riders who want to keep up with faster friends or who are looking to push their limits and try new things on the trails.

Today, Class 1 e-bikes, which are pedal-assist only, have no throttle, and have a maximum assisted speed of 20 mph, are either permitted or under consideration on most trail systems, parks and BLM land. An insurance policy from Velosurance covers Class 1, 2, and 3 electric mountain bikes just like it would a regular bike, for theft and accidental damage with optional coverages including liability, medical payments, and vehicle contact protection.

We cover damage in transit

Whether it's on a car rack, in possession of an airline or a postal courier, it's covered.

A part of the mountain biking lifestyle is traveling and exploring new trails, be that in the next town or next continent over. Mountain bikes spend a significant amount of time on car racks, in care of airlines and postal couriers.

Unfortunately, both accidents and honest mistakes happen, like driving your car into a garage with the bike still on the roof rack. Or failing to properly secure the bike to the rack and it coming loose on the highway. In other situations you might have no control at all, like an airline damaging the bike, or the bike not showing up at your destination at all.

Replacing a bicycle in the “new normal” is neither easy nor cheap. With a policy from Velosurance, you can travel with a peace of mind, knowing that damage and loss in transit are covered

Coverages and Features

Velosurance core policy offers must-have protection such as accidental damage, theft, or loss in transit. Each policy can be customized by adding additional coverages such as liability protection, uninsured motorist coverage, and medical gap coverage.

Total loss by theft

Bikes are very easy to steal and equally difficult to recover, and a hefty U-lock doesn’t guarantee that your bicycle will remain yours when you return. Velosurance provides peace of mind when your bike is stolen or damaged in the process.

If you’re hurt and require medical attention, our policy's optional purchase medical payments will cover your medical bills, up to the policy limit. The policy medical payments are paid directly to you to supplement the deductible of your personal health insurance policy.

Any crash or accidental damage

Our policy will pay to replace the bike when it is accidentally damaged and beyond repair, including damage that occurs while being carried on or in your vehicle. If the damage can be repaired, the policy will cover all the costs associated with the bike's repair, including tax, labor, and shipping. Cosmetic damage that does not affect the bike's safety is excluded.

Damage or loss in transit

Bikes often get damaged in transit by personal vehicles, airlines, or courier services. Filing a claim with the airlines and courier services is a notoriously difficult process with a questionable outcome. Our policy covers the insured bike for loss or damage while it's on its way to or from your destination by air or road. Even if the bike falls off a vehicle bike rack or is hit in a rear-end accident, it is covered, no arguments.

Electric bicycle coverage

We cover all electrically assisted Class 1, 2, and 3 bikes with a maximum assisted speed of 28 mph. All coverages available for conventional bikes also apply to e-bikes.

Liability protection

Our policy optional coverage purchase will protect and defend you from your personal liability (injury, sickness, death, or damage to property, including fire damage) that you are found legally liable for. Coverage limits offered: $25,000, $50,000, $100,000, or $300,000 per occurrence.

Worldwide coverage

If your travels take you outside of the USA and Canada, our policy can be extended, at a small additional premium, to cover physical damage, such as a crash, and will also cover theft as well as loss or damage by an airline.

Our shop or yours

When filing a claim you’ll need to provide a repair estimate from a bike shop. We have a nationwide network of partner bike shops that are familiar with our process and can help you speed through your claim. If you prefer to work with your favorite bike shop, that works too.

Gear and apparel

If your insured bike is damaged in a crash, our policy covers the bike as well as your apparel, such as helmets, shoes, glasses, or riding kits, that were also damaged in the crash, and will pay up to $500 per accident and $1,000 per policy term. Spare parts that are not installed on the bike, such as a spare wheelset, are also covered for loss or theft up to $500 per loss and $1,000 per policy term.

Race coverage

Damage due to a crash while racing is covered with optional coverage. In the heat of a race, the focus on speed often outweighs concerns for safety, leaving little margin for error. In the unfortunate event of a crash, the racing coverage option will provide coverage for your bike.

Your choice of lock

We do not dictate what type or brand of a lock must be used to protect the bike from theft. You are welcome to use any lock that you trust. The best security is provided when securing an unattended bike with metal locks combined with a high-quality chain. Securing your bike to a solid and immovable object, such as a bike rack, with a high-quality lock will send a bike thief onto the bike secured with a more vulnerable lock.

No depreciation

Our policy never depreciates your bike's insured value. Depreciation is a hidden deductible that increases over time, and is applied if the bike is stolen or totalled. No one is ever happy with a depreciation (actual cash value) insurance settlement: the bike is first devalued and then a deductible is applied, resulting in a reimbursement that is far less than it takes to replace the bike. We pay what you paid, minus the deductible.

24/7/365 coverage

Our policy covers the insured bike(s) at all times, anywhere in the USA and Canada, and can be extended worldwide on request. There are no exclusions on time of day, or limitations on how long a bike could be stored away from home. 24/7/365 means every minute of every day, no matter where or when.

Standalone bicycle insurance

A standalone policy does not piggyback on coverage provided by the policies you may already have, such as home insurance. A claim against our policy will not reflect on your insurance score and will not affect your rates with other insurance carriers. With home insurance rates going up every year, it’s prudent to reserve your claim for when you really need it, because no matter how expensive your bike is, it’s a lot cheaper than a kitchen fire or a basement flood.

Why Velosurance is best for your mountain bike

Not all types of insurance are created equal. Velosurance levels the playing field by offering a stand-alone bike insurance policy, where claims will not affect your homeowner or renters policy premiums.

Not all insurance policies cover bikes equally and it often takes a claim to find out that your bike isn't covered. We did the hard work and read all the fine print. To see the difference, see bicycle insurance comparison .

Customer Stories

Client satisfaction is our #1 goal. here's what our clients say about velosurance.

"Thank you so much to Velosurance!! My Ebike was stolen recently while on a trip to Minneapolis.. I was so bummed to lose it and I wasn't sure if it would even be covered.. Dan Madsen and Velosurance were very understanding and covered my claim in full.. " Piper D Baltimore, MD

"Velosurance is great! I’ve had them for 5 years now and it gives me peace of mind knowing that I have my bike stuff covered. I have made a few claims and everything was taken care of and solved in a timely manner. Definitely recommend getting velosurance. " Steven G Los Angeles, CA

"I have insured my bikes with Velosurance for 10 years and had to make two claims. Once I damaged my wheels on vacation, the second I was hospitalized after a massive crash. They were incredibly responsive both times, and made a stressful time incredibly easy. " Gary K San Francisco, CA

Check out Velosurance reviews to see what else people are saying about us.

'Convinced yet? Let's make something great together. If you have any questions, don't hesitate to get in touch with us.'

We are riders too

Bicycle prices increase every year and cyclists who are serious about their sport are spending big money on high value bikes. Other forms of insurance, like homeowners and renters insurance, do a poor job insuring high value bicycles so we founded Velosurance to fix that.

Velosurance provides a stand-alone, no bike value depreciation, bicycle insurance policy to replace the cobbled together, sub standard coverages offered by traditional insurance.

We are cyclists just like you, and we understand that when your bike gets damaged in an accident you want the shortest possible downtime. We make it our mission to see that your claim check arrives before the repair parts do and you get back pedaling as soon as you want to.

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We are riders and insurance experts who give advice and share insights to educate fellow riders and keep them safe while on road or trail. We want you to become a better rider by helping you understand and manage risk associated with your lifestyle.

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Velosurance discounts

Members of USA Cycling, USA Triathlon, and International Mountain Bicycle Association (IMBA) receive discounts on Velosurance bicycle insurance products.

Velosurance provides bicycle insurance policies in the following states: Alabama, Arkansas, Arizona, California, Colorado, Connecticut, D.C., Delaware, Florida, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Massachusetts, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, North Carolina, New Hampshire, New Jersey, New Mexico, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin.

Are you covered? | 5 things to consider when shopping for mountain bike insurance

Unfortunately, things happen out mountain biking. As I’m typing this, my hand is sore because a bit of leaf litter on the crux of a feature I’ve ridden millions of times sent me careening off trail and over the handlebars.

While I came up laughing this time, it could have been a whole lot worse for my body and bike. Had that happened, there would have been several phone calls and emails exchanged with insurance agents to try and recoup some costs.

But it’s not just on the trail; we’ve had bike bags appear from the oversized luggage doors with giant holes in them, seen them bouncing down the highway after falling off of car racks, and we also know a few folks whose packed up bike boxes have disappeared from European train stations.

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Insurance is one of those things you lament when the policy renewal hits your inbox but are thankful for when you need it. That is until you try to claim something that is explicitly excluded because you missed one line in Appendix S in the Product Disclosure Statement.

Insuring your mountain bike can be tricky at the best of times, and even with bike-specific policies, figuring out what is actually covered can feel like you need to have legal counsel reading over your shoulder. When you throw travel and racing into the mix, the complexity, exclusions and excesses increase tenfold.

A lot of folks have their mountain bike insured as removable items on the home and contents insurance; there’s also bike-specific coverage out there. BUT — and this is a big one — even when you think you’re covered sometimes, buried deep inside the appendices and add-on policy wording sometimes has a caveat that allows the provider to deny your claim and hang you out to dry.

Everyone’s situation is different, and we can’t provide advice or point you towards a specific policy or provider that will have you completely sorted. However, having navigated this ourselves on a few occasions, here are a few things to keep an eye out for when it’s time to renew your insurance.

Is mountain biking covered?

The key, a-number-one, most vital thing to take into account is to ensure that mountain biking is actually covered under your chosen insurance policy.

While some home and contents insurance will cover your mountain bike away from the home, it’s extremely common for loss or damage while it’s being ridden or in use not to be covered. Others will offer coverage while in use but have exclusions for racing.

Even if your bike is covered by a home or contents insurance policy, sometimes they will only pay out as little as $500 or $1,000 AUD for a bike, unless you specify it as a removable item in the policy and attach a dollar value.

Worse, some bicycle and cycle cover add-ons have wording that specifically excludes loss or damage from, “any off-road riding on loose or severe terrain or surfaces,” “any riding over jumps, ramps or other obstacles,” or “performing tricks or stunts.”

If you are looking into bike-specific insurance, sometimes there is wording that applies additional excesses or exclusions for carbon fibre, batteries, upgraded parts or accessories like your Garmin or Wahoo computer — those things ain’t cheap, and they are often the first thing to disappear in a crash.

When it comes to travel insurance, there may be similar exclusions for extreme sports, an umbrella which mountain biking usually falls under in the eyes of an insurance company. Sometimes, there is an extra or add-on that will increase the premium or excess by a bit for coverage while riding.

When in doubt, never make assumptions, ask questions and be sure things are explained completely and in plain English.

Is your location covered, and what about in transit and travelling?

Usually a policy will lay out pretty clearly the boundaries of its coverage. Obviously for policies purchased in Australia, you are covered for….well… Australia. Some will even cover New Zealand and transit across the Tasman Sea. A number of products we’ve come across have carve-outs for riding in North America, so if you break yourself or your bike at Whistler or checking out trails in Marin County, you could be SOL. When in doubt, contact your insurance provider, and it never hurts to get things in writing, either.

Keep an eye out for lines about loss or damage in transit. Some policies won’t cover your ride if it’s lost or damaged in transit through the post, commercial courier, or other similar commercial service. Others will specify that coverage only extends to a bike in transit while it’s contained inside a vehicle or aeroplane, meaning it’s the Wild West attached to roof racks or on a shuttle trailer.

When it comes to bike-specific insurance, your bike needs to be locked in a secure space and/or with an approved lock. If your garage does not lock — like most that use an electric opener — it often isn’t considered secure in the eyes of many insurance companies, and so you may need to have your bike locked — with an approved lock — inside your garage to abide by the terms of the policy.

Is mountain bike racing covered?

When you sign up for a race in Australia, you’ll need an AusCycling licence. Attached to this is public liability and personal accident insurance that is valid everywhere in the world except the US and Canada. This coverage extends beyond just racing and will back you out riding recreationally and, of course, riding on the road, commuting or anything else.

However, most other insurance will have wording that excludes coverage for incidents, damage and loss that occur during racing without the purchase of additional coverage.  Sometimes the wording is vague enough that any event, even something non-competitive like Ignition Mountain Bike Festival might not be covered. This includes travel insurance. Again when in doubt, ask questions and get answers in writing.

Professionals, brand ambassadors and bike industry folk

Did you get a screaming deal on a bike because you do huge numbers on Instagram, and your TikTok sketches are so on point Mr Beast is ringing you up asking for tips? Or maybe you finally scored a deal to race for your local shop, and they provided you with a bike to take on the big dogs in the National Series. Heck, maybe you work in a bike shop and pulled some strings to get a new ride at 30% off wholesale.

If this is you and you’re hoping to take out insurance on this sweet ride just in case, you’d better read your policy VERY carefully. Several of home and contents and bike-specific policies won’t cover a bike you paid less than 50% of the retail price for, or if they determine you are a sponsored rider — and yes, it is a safe bet the person assessing your claim will Google you and look at your social media.

The other common exclusion is if you use your bike for work. Do you run a guiding business or coaching as a side hustle that sees you riding your bike? Well, your bike may need to be insured as equipment under your business insurance, as many policies have wording that excludes coverage for bikes used for any commercial activity.

Ambulance cover, Income protection, Personal Accident and Public Liability

While this quartet of coverages may not be specific to mountain biking, each is worth of consideration if your looking at insurance.

Mountain biking is an inherently dangerous sport and there is a distinct chance you may see the inside of an ambulance at some point in your riding career.

If you live in Queensland, you’re in luck. The State Government provides ambulance cover to all its residents whether you go for a ride within the borders of the Sunshine State, or anywhere else within the boundaries of Australia. If you are not a Queensland resident and need a ride to the hospital while visiting the state, you will be responsible for the cost of the ambulance, as at the time of writing, there are no reciprocal agreements between the QLD Ambulance service and interstate providers.

The Tassie State Government also provides ambulance cover for its residents; however, there are a few caveats. In WA and ACT, you have partial cover, while in SA and QLD, you’re on your own. Everywhere else in the country you’re covered.

For anyone else, ambulance cover is an excellent idea to have as the call fee alone can be north of $1,000 AUD.

The same goes for income protection and public liability insurance. So if you’re hurt riding and are unable to work, or something you do on the bike causes someone else to be hurt or damage something — say someone else’s bike or you crash into a car, you won’t be stuck with the cost.

As we mentioned above, an AusCycling licence has this coverage built in. However, this type of coverage can also be obtained through third-party outfits.

Insurance and mountain biking aren’t typically things we’d group together, but given how quickly things can go wrong, and how litigious some folks are it’s a good idea to take these things into consideration.

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VISIT THE WORLD - Explore By Bike

  Call us on 01494 484800 Open Mon - Fri | 9:00 - 5:30

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Our Downhill Mountain Biking Insurance policy options

Put simply, we offer three different policy options…

1. Travel Insurance

Our worldwide Downhill Mountain Biking Travel Insurance can cover you whilst cycling abroad for leisure or competition, and includes cover for medical and repatriation costs, trip cancellation and curtailment, plus more.

2. Travel Insurance Bolt-On

If you have a travel insurance policy with another provider, such as your bank, but it does not include cover for Downhill Mountain Biking, we can provide a bolt-on style of protection under our Activity TopUp policy.

3. Sports Accident

Our Sports Accident Insurance is designed to protect you for Downhill Mountain Biking in the UK. Our policy provides personal accident, and if selected, can include additional Income Protection.

Making claims clearer

AVERAGE PAY OUT 

 FOR EACH TRAVEL INSURANCE CLAIM**

OF OUR POLICY HOLDERS

NEEDED TO MAKE A CLAIM**

OUR AVERAGE CLAIMS RATING

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Why choose us

30 years experience.

We have been providing tailored Sports Insurance policies for over 30 years, and today protect more than 57,000 customers a year.

Professional Claims Handling

We work with leading claims handlers to make sure our customers experience a prompt and professional service when making a claim.

Underwritten by Experts

We’re pleased to offer tailored cover from AXA XL, a leading provider of insurance in the sports and leisure industry.

UK Based Customer Service Team

Our highly experienced Sales team are available to help support you with any questions that you might have.

5-Star Customer Service Rating

Thousands of happy customers have awarded us a 5-star customer service score on the independent feedback platform, Feefo.

500+ Sports Covered

Being a specialist in Sports Insurance, we provide cover for over 500 different sports & activities, far more than other providers.

What makes our policy different?

Our Downhill Mountain Biking Insurance will protect you whilst participating in the sport abroad and even in the UK.

If you are setting off overseas, our Sports Travel Insurance will not only cover medical expenses, mountain rescue, and repatriation home, but will also protect any lost, stolen or damaged bike equipment whilst on your trip.

If you are mountain biking in the UK, our Sports Accident Insurance could provide you with a lump sum payment if you suffered a serious injury whilst riding, in addition to other benefits like income protection and personal liability cover.

Make sure to get your Downhill Mountain Biking policy before you hit the mountain trails.

Key benefits of our policy

From covering medical expenses to protecting your bike should it get stolen whilst you’re on holiday, our Downhill Mountain Biking Travel Insurance provides comprehensive cover. 

• Emergency Medical Expenses & Repatriation
• Cancellation & Curtailment
• Personal Accident cover
• Personal Liability
• Delayed, lost or stolen baggage
• Activity & Race Entry Fees
• Sports Equipment

Frequently Asked Questions

Our Sports Travel Insurance policy provides up to £5,600 worth of equipment cover as an optional add-on. This not only protects your equipment but also any gear you hire during your trip. It also covers your biking equipment in transit to and from your destination.

Yes, our Downhill Mountain Biking Travel 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.

You can purchase our Downhill Mountain Biking holiday insurance online up until 74 years old. Above this age, you would need to call us on 01494 484800 and we will be able to refer your quote to our underwriters. Please note, our quotes are based on your age at the start date of cover.

* 10% online discount applies to our Sports Travel Insurance and Activity TopUp policies only. 

** Data relates to Sports Travel Insurance claims from Jan 2023 to Dec 2023 inclusive.

*** Feefo rating relates to Sports Travel Insurance claims review score from Jan 2023 to Dec 2023 inclusive. 

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Mountain Biking Travel Insurance

£10m emergency medical expenses - search and rescue included and £2m personal liability standard on ALL policies.

A GUIDE TO OBTAINING A QUOTE and PRE QUOTE INFORMATION -  questions answered

please ensure you select the correct activity level  for the sports you are insuring and that you insure the full duration of your trip from the UK including departure and return dates on your Snowcard policy - for downhill skiing you will need at least Adventure Plus or Max Adventure for snowboarding

If you have any questions or need guidance on selecting your policy - email [email protected]

N.B. Insurance policies available from this website can only be used by UK, Channel Islands and Isle of Man residents.

Levels of cover

Please start typing your activity in the box below. You are covered for all activities in the level you select and those in lower levels. If you are taking part in multiple activities, make sure you select the highest level that will cover all of your activities.

What is your most extreme activity?

Please check our full activity levels information table - if you cant find a match for your activity - let us know so we can add it.

IMPORTANT - for downhill skiing , you will need at least the Adventure Plus level of cover, do not select Adventure Basic for on and off piste skiing or snowboarding.

If you are taking part in an activity that might be considered out of the ordinary or you are travelling to unusual or remote destinations , please refer full details before proceeding and we will confirm if your trip can be covered.

Annual multi-trip insurance

Cancellation cover (if selected) starts when you book each trip or on the start date entered here and shown on your Insurance Schedule, if this is later. Cover under all other sections of the policy begins when you leave home to go on a trip and ends when you return home from that trip.  The start and finish dates of the trip must fall within the 12 month period of insurance. For trips booked during the 12 month period and that start after the end of the 12 month period, we will provide cancellation cover until the policy ends. Please note that annual multi-trip policies can not be purchased more than 2 months in advance of the policy start date and must be purchased in the UK before departure of your first trip. Cancellation cover commences from the policy start date you specify here.

Single trip limits

Winter sports limits on annual multi-trip policies

Single trip policies

You must insure the full duration of your trip and purchase your insurance before departing from the UK. If you have an annual policy with another insurer and you require higher risk cover with Snowcard for a short duration only, we CANNOT help topping up another insurers policy. You must insure your full trip duration with Snowcard for your policy to be valid.

If you select cancellation cover, it takes effect from the date of policy purchase until your departure date. The insurance for personal belongings, equipment and techno pack (if shown on your Insurance Schedule) is only valid if you have insured the whole duration of each individual trip and starts when you depart from the UK. If you have a Snowcard annual multi trip policy at a lower level of cover, you can purchase single trip top up cover  (medical and emergency expenses only) at a higher level for short durations.

The age band selected must be that of the person who is the lead insured name or the oldest person in the family or group. If a group member is older than 56+, it will be cheaper for the group if the older traveller is insured seperately. For persons aged over 75 contact  https://www.biba.org.uk  for advice.

For annual multi trip policies, use the age band applicable on the policy start date. For single trip policies, use the age band applicable on the date of departure.

Please note a family is 1 or 2 adults and up to 4 children up to the age of 18 – a couple is 2 persons married or living together as married – a group is 2 or more persons travelling together on the same holiday. 

To insure a minor <18 travelling alone, the parent must register their details but insert the name and age of the child when prompted to enter the name of the person to be insured.

Mountain Bike Travel Insurance

Snowcard are pleased to offer mountain bike travel insurance, discover our mountain bike holiday insurance  - perfect for your exhilarating mountain biking adventures!

Mountain biking has seen the biggest growth in mountain sports in recent years and increasingly more Snowcard clients each year head to the Alps and further afield with their mountain bikes after they have packed away their skis and boards for the summer months. 

Whether you are a trail rider or a downhill adrenalin junkie, in the event of an accident Snowcard has you covered. We provide specialist downhill mountain bike travel insurance tried and tested over many years. Whilst ordinary travel polices might cover cycling, most don’t cover specialist mountain bike activities.

Snowcard has been providing specialist adventure activity holiday insurance since 1990 and it’s safe to say that we have the experience and truly understand our customer’s requirements when it comes to mountain bike insurance. 

Before you set off on your mountain biking holiday adventure please be sure to check our full range of activities covered for more information as we offer the following 5 cover options;

• Adventure basic
• Adventure plus
• Max adventure
• Extreme adventure
• Pro adventure

Each level will cover progressively higher risk mountain biking and holiday sports activities. For instance, if you are taking part in amateur competitive events, downhill, or dirt jumping, then you would need to select either extreme or pro adventure cover. Use the 'find my level of cover' tool above to select the correct policy option.

Mountain Bike Holiday Insurance Why Do I Need It?

As we all know mountain biking is a high-speed high-adrenaline sport over rugged and rough off-road terrains and there are many associated risks of injury and accidents. Unfortunately, collision and crashes can happen mountain biking and we see more claims from mountain biking than any other sport. These might include shoulder and arm injuries, back and head injuries and pretty much every other part of the body! With typical claims exceeding £1500 travel insurance is vital but our mountain bike travel insurance also covers search and rescue and repatriation which cheaper or general policies will not include. 

With mountain biking travel insurance from Snowcard, you can enjoy your adventure with peace of mind and security that the UK’s longest established specialist provider of mountain bike holiday insurance insures you.

Snowcard policies are completely flexible and we provide you with the freedom to tailor your policy and select your own sums insured including your bike. But more importantly, all Snowcard policies come with a 24/7 specialist worldwide emergency service. Together we provide all of our customers with a personalised and tailored service to ensure that we have the right mountain bike holiday insurance for you.

We also provide cover for a range of other cycling activities such as cycle touring, for more information visit our cycling travel insurance page.

Mountain Biking Top Worldwide Destinations

If you're new to mountain biking or maybe just looking for some inspiration for your next adventure, then be sure to have a look at 5 of the most incredible places to ride according to Redbull.

From the giddy high of Saint-Luc, Switzerland, through to the rocky peaks and glaciers of the Tarentaise valley in France, your next mountain biking adventure awaits!

Finally, remember your mountain bike holiday insurance, and insure your adventure with Snowcard.  At Snowcard we also offer downhill mountain bike insurance and also downhill mountain bike travel insurance, explore our services today .

If you would like to find out further information about our mountain bike holiday insurance then please get in touch with Snowcard by using our contact form or by email . We would be more than happy to answer any queries or questions you may have about our mountain bike travel insurance. 

Enjoy Your Adventure!

What mountain bike insurance do i need.

Snowcard Insurance have specialist mountain bike travel insurance for a wide range of mountain biker needs.

We offer specialist emergency and rescue expenses cover for the following MTB activities:

Mountain biking – cross country and trail riding.

Mountain biking – all mountain, downhill, enduro, freeride and dirt jumping., mountain biking on high altitude trails (e.g. himalayan or alpine destinations over 3000m)., why use a specialist mountain bike travel insurance provider.

There are considerable high risks with mountain biking including collisions, crashes and accidents. Injuries to the head and upper limbs are a common occurrence but mountain bikers are susceptible to potentially expensive and life changing injuries.

A specialist travel insurance provider will cover you for injuries you sustain whilst mountain biking and importantly include search and rescue as well as repatriation. A standard travel policy will not cover you for most higher risk situations that will occur when you are mountain biking and it is unlikely the claims handlers will have the necessary expertise to deal with more complex situations in mountain resorts. 

A specialist Snowcard policy will offer you the insurance protection you need.  Snowcard cover has been tried and tested for 30 years with a claims service geared up to respond in a crisis including 24 hour assistance from International Medical Rescue.

Travel Insurance Mountain Biking What’s Covered?

see all activities covered

Best bike insurance: The best policies for cyclist

The best bike insurance can offer cover for cyclists from infrequent commuters to committed racers

Best tailored bike insurance policies

Best bike insurance for casual commuters, best bike insurance for serious athletes, how to find the best bike insurance for you.

The best bike insurance for you will depend on the type of riding you do. You can find bike insurance policies appropriate for everyone from the casual recreational rider to dedicated racers riding some of the best road bikes , best time trial bikes or best gravel bikes .

The best bike insurance doesn't just cover your bike if it's stolen, you can buy a policy to protect your bike from accidental damage and that will help you get riding again if you're injured. Most will offer you the option of third-party damage cover as well.

Bike theft remains a major hazard though and one that the best bike insurance will protect you from. Many insurance policies offer you a new-for-old option if your bike is lost. 

You do need to show that you've taken steps to avoid or prevent theft though. Using one of the best bike locks and knowing how to lock your bike is important - if you're not doing both, you may invalidate your insurance.

Often an insurance company will specify the level of security that a bike lock must provide for your cover to be valid, although that might be met by even the best budget bike locks .

If you’re new to navigating the world of bike insurance, it can be overwhelming due to the sheer number of insurers and policies on offer, so we’ve rounded up the best bike insurance policies available today. Some of the criteria we have looked at are whether the policies cover multiple bikes, legal fees, public liability, travel and whether they offer new replacement bikes for old. 

We've split this guide up into the best-tailored bike insurance, the best bike insurance for commuters, and the best bike insurance for racing. It's geared toward UK riders, with the companies listed below offering insurance to UK residents.

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And if you're looking for a fast quote UK readers can click on the Compare Bike Insurance Quotes banner below. We've partnered with QuoteZone to create a handy bike insurance comparison tool for UK readers that allows you to compare over 30 quotes from specialist cycling insurance providers.

At the bottom of this list, we've answered some of the most-asked queries in a section on how to find the best bike insurance for you. 

While some insurers offer a single blanket policy designed to suit most cyclists’ needs, there are several who offer tailored insurance policies for the individual. These may consist of three tiers to choose from, or actually form a bespoke policy where you can pick and choose the cover you need.

1. Yellow Jersey

Zero depreciation and DNA security marking

Multi-bike discount: Yes | Public liability: Yes | Travel cover: Yes | New for old: Yes (unlimited)

Yellow Jersey offers three tiers of cover: Essentials, Performance, and Ultimate. One of its greatest benefits is the Zero Depreciation offer, which means you’ll always be compensated for the original value of the bike when new, regardless of how old it is.

For commuters, urban riders and casual cyclists, Essentials offers cover for accidental damage (at home and while out riding), vandalism and theft, personal injury, physiotherapy, dental and public liability insurance. On top of that, you’ll also get DNA security marking to deter thieves (a clear liquid with a unique chemical fingerprint that you dab onto your frame in strategic places), family cover and a multi-bike discount, £250 of accessory cover and up to £10,000 for permanent injury.

The Performance package offers all this, plus travel cover in Europe, damage and injury cover while taking part in sportives and charity events, in-vehicle theft and in-transit cover, plus optional cover for extra wheelsets, plus permanent injury up to £15,000.

On top of all this, if you opt for Ultimate, you also get a 60 per cent multi-bike discount and cover for worldwide travel, crash damage, theft from a triathlon transition area, bike boxes, competitions, and the cost of a UK taxi back home following an accident or mechanical failing.

Tailored insurance that can be paid monthly interest-free

Bikmo offers bespoke insurance policies to cover you for whatever it is you need. Pick and choose from a menu of benefits, including (but not limited to) £ 2 million public liability insurance, accidental damage and vandalism, theft (you must adhere to Bikmo’s locking requirements), cover for bike boxes, accessories, clothing and headgear, emergency hire, £100,000 legal expenses cover and 24/7 cycle hangar parking.

Bikmo also offers up to 50 per cent multi-bike discount and, like Yellow Jersey, doesn’t recognise depreciation of value when estimating the cost of damages. Their team of bike geeks are on hand with specialist knowledge, and there’s an option to pay in monthly instalments, interest-free.

3. Wiggle Insurance

Promises instant action so you won’t be left waiting by the roadside

Multi-bike discount: Yes (Essential & Elite packages) | Public liability: Yes | Travel cover: Yes (Elite package) | New for old: Yes (Essential & Elite packages)

Wiggle’s insurance comes with three levels to choose from – Assist, Essential and Elite – and promises to be the fastest-acting provider of all. While most insurance providers will require you to provide proof of costs – whether it’s for a taxi home following a mechanical breakdown or dental treatment – before reimbursing, Wiggle promises to act immediately, providing instant medical care and transportation. It also offers interest-free monthly payments.

The Assist policy is extremely basic and only offers personal accident and public liability insurance, plus access to emergency medical, dental and physio treatment.

The Essential package is most likely to appeal to casual cyclists and commuters, covering you for theft and accidental damage on top of these.

Their most comprehensive package, Elite, offers all this, plus cover for global travel, sports and transition, as well as replacement bike hire.

4. Velosure

Discipline-specific insurance policies

Multi-bike discount: Yes | Public liability: Yes | Travel cover: Yes (optional) | New for old: Yes (unlimited)

Velosure offers insurance policies based on your chosen discipline and type of bike, with policies for road bikes, mountain bikes, urban bikes, electric bikes, sports bikes and leisure bikes. Standard cover includes accidental damage and theft, up to £ 2 million public liability, and new-for-old replacement. There’s also a multi-bike discount.

Depending on your needs, you can add optional extras to your policy, including European and worldwide travel, sports and competition cover, personal accident and accessories cover, and replacement bike hire, among others. 

5. Pedalsure

Simple policy with a long list of customisation and personal cover options

Multi-bike discount: Yes | Public liability: Yes | Travel cover: Yes | New for old: Yes

Pedalsure offers a comprehensive tailorable quote system which enables the rider to pick and choose their required cover, including the option to add extra bikes with a 50 per cent multi-bike discount, as well as accessories, race cover, up to 60 days' travel cover, three tiers of personal cover, and more. 

The standard cover is basic in order to keep the cost down, but the list of added extras is long. 

Pedalsure’s policy provides personal accident cover, which includes the cost of physiotherapy and dental treatment, as well as theft, accidental damage and vandalism. If you need to hire a replacement bike while making a claim, they will reimburse you for up to £500 to cover this. Their insurance also provides you with legal protection and personal liability.

If your time on the bike is mostly limited to the daily commute, weekend leisure rides or the occasional holiday, you don’t need a super comprehensive insurance policy. The main things you should prioritise are accidental damage cover, personal injury, theft and legal protection if you were to make a claim.

Best for a personal touch

Laka’s insurance policies come with a personal touch. Two policies are available: Bicycle insurance and Recovery insurance. The former offers cover for your bike, helmet, clothing, GPS device and more, plus you’re insured against theft (including from a vehicle), damage and vandalism, and loss. In addition, they cover you and your belongings at races and triathlons, provide global travel insurance for up to 60 days per trip, and will give you £200 of emergency cash after an incident to help you rent a bike or get a taxi home. 

While your possessions are covered by the Bicycle policy, Laka’s Recovery policy takes care of your mind and body. In addition to accident and injury cover (for home and abroad), you’ll gain access to sports specialists and virtual GPs to quickly diagnose and treat your injuries, performance coaching to improve your recovery, and have your physio, dental and mental health bills covered up to £1,500. They even include copies of Rouleur magazine, the hire of a turbo trainer, and nutritional advice from the pros, to help you recover as quickly and comfortably as possible. 

Great for casual cyclists and holidayers

Multi-bike discount: No | Public liability: Yes | Travel cover: Yes | New for old: Yes (2 years maximum)

Bicy’s insurance policy covers cyclists for accidental damage, theft and personal injury, plus it comes with up to £ 1 million public liability insurance and mechanical breakdown cover. If you’re in the habit of holidaying with your bike, then you’d benefit from worldwide cover for up to 60 days at a time, and Bicy offers new-for-old cover (meaning that they’ll pay out the original value of your bike when it was new, without taking any depreciation of value into account) – but unlike Yellow Jersey's unlimited offer, it only applies if your bike is less than three years old. Finally, Bicy has a legal team who are on hand 24 hours a day. If you’re making a claim, they can offer specialist advice, and even take over the claim where appropriate.

Whether you're entering crits in your home city or flying across the world to participate in cross-continental races, if you're a serious athlete you'll need a lot more from your insurance policy. Look for one that offers worldwide travel insurance, competition cover that includes lost entry fees, transit cover for bike boxes and a way of getting home if all goes wrong.

Two policy options, with a 10% discount for both

Multi-bike discount: Yes | Public liability: Yes | Travel cover: Yes (optional) | New for old: Yes (3 years maximum)

Similarly to Laka, Sundays offer two different policies - Bicycle and Cyclist - so you can choose to either insure just your bike or your body or opt for both with a 10 per cent discount. Bicycle insurance covers you for accidental damage, crash damage, malicious damage, theft, domestic in-transit and cycle hire. There’s even a specific cover for damage caused to a bike while on a roof rack. Sundays has a three-year limit on its new-for-old offer, and you can add extras like worldwide travel insurance, competition cover, and extra wheelsets cover.

Paid Strava subscribers get a more limited range of included benefits through Sundays, covering GPS device damage, running race entry and a taxi home if you're stranded by a cycling accident or mechanical.

2. CycleGuard

Comprehensive insurance for risk-takers

CycleGuard’s insurance policy is pretty comprehensive and offers a multi-bike discount with a maximum of 10 bikes per policy. Your bike is insured against accidental damage and theft, including theft from a vehicle, and you can insure up to £2,500 worth of accessories. 30 days of EU travel is also included in the standard policy, alongside 24/7 roadside assistance, new-for-old replacement or compensation, family cover for the same address, and bike hire for up to £500.

Serious athletes may want to opt for some of the extras available, including global travel insurance with £300 cover for bike box transit damage, personal injury cover up to £25,000, including dental treatment, broken bones, physiotherapy and more, and £ 5 million public liability (excluding North America). There’s also competition cover available, which helps you recover lost race fees, travel and accommodation, and – like Yellow Jersey – it is looking out for triathletes with cover for clothes lost in a transition area.

3. Cycleplan

Insurance for racers, teams and coaches

Cycleplan is a subsidiary of Ripe Insurance (providers of specialist insurance cover), offering cover against accidental damage, vandalism and theft, whether at home or away. They also offer an additional policy for worldwide and European travel, which includes competitive cover. Other benefits include public liability insurance, personal accident cover, including medical expenses, physio or loss of income, and replacement bike hire. You’re also covered for legal expenses, should you need to make a claim.

As part of Ripe Insurance, you can also get special insurance for race teams and coaches, via Insure4Sport (another Ripe Insurance subsidiary). 

Cycleplan currently has a 40 per cent introductory discount, and they also offer a free downloadable cycling training guide.

4. British Cycling Membership

Best for multiple discounts and benefits

While this isn’t technically an insurance policy recommendation, membership to British Cycling does come with the added benefit of third-party liability insurance up to £ 20 million, as well as legal support and assistance if you need to make a claim. If you opt for the Race membership, you’ll also be entitled to personal accident insurance. Travel insurance isn’t included with British Cycling membership but, as a member, you’d also get discounted access to Bikmo insurance (mentioned above), as well as priority access to tickets and a racing licence, and a whole host of discounts at Evans, Halfords, Science In Sport, Chain Reaction Cycles, TrainingPeaks, Muc-Off, and more.

Insurance can be complicated, although the insurance companies we've listed above strive to make details of their cover more accessible to the buyer. So here, we've broken down the key questions that you need to ask to find the best bike insurance for your needs. Consider your budget and insurance requirements, make a list and see which insurers meet your needs at the most competitive price. 

Which type of bike insurance is best?

The best bicycle insurance policies for you, like most things in life, will depend on your personal needs. The perfect cover for someone else may not suit you. Consider what your needs are and what the nice-to-haves might be. The more of these you add to a policy, the more expensive it's likely to become, so remain realistic and remember you can always adjust your cover down the line.

Is there any benefit in being covered for racing for a year just in case you decide to join a race? Probably not. Are you hoping to do a sportive later in the year? Consider adding that cover to the policy then, rather than now. Additionally, if you never let your £10k carbon race bike out of sight, then you mightn't need to add away-from-home theft cover. 

Consider the true value of replacing your bike should it be damaged or stolen. You might have bought your bike for £2,000 in the sales, but replacing it with a like-for-like replacement today might cost you twice that. Many insurers account for this by offering a like-for-like replacement guarantee - especially useful if your 2015 carbon wheels are totalled and are no longer available. 

Is bike insurance worth buying?

While cyclists aren't legally required to have insurance, it's a good idea to protect yourself in the event of an incident. Even if you aren't concerned about damaging your bike, you can be liable to cover the costs of damage to another person's property, should you be found at fault – so insurance can protect you in that scenario. If your bike is stolen, insurance will cover the financial blow that will come as a result of replacing it. 

But don't assume that insurance is your get-out-of-jail-free card and let your guard down. Many insurers stipulate rules around how to lock your bike – and what with – to maintain cover against theft. If a thief happens to take your bike off your hands because you left it unlocked and unattended "just for five minutes", your insurer is unlikely to pay out. 

Make sure you read the fine print!

Does bike insurance cover damage?

Many bicycle insurance policies are tailorable, meaning you can choose your level of coverage when first taking out the policy. Many even offer an insurance dashboard on which you are able to adjust your policy at any given time.

The most basic policies will cover third-party damage – so, damage to someone else's property. Others add theft protection and accidental damage to your own property, while the higher levels of cover add competition insurance, should your bike become damaged during a race or sportive.

Does my car insurance cover me on a bicycle?

Usually not, but there are rare instances where bicycle insurance is given as added value to a policy. Of course, this purely depends on the individual policy and insurer in question. Our advice would be to check your policy and, if unsure, speak with your car insurance provider. 

Does home insurance cover bike theft?

If you’ve taken out home insurance, then you’ll likely already have some cover, but there’s a reason specialist bike insurance exists in the first place. With home insurance policies, there can often be a low maximum claim (some are as low as £350/$450), and you might not be covered if your bike is stolen while locked up in a public space.

Specialist bike insurance policies, on the other hand, offer several benefits that you won’t get with home insurance. For example, some will offer discounts for multiple bikes, while others may include travel cover. You can also insure accessories such as helmets, locks and lights, which is especially useful if they get damaged or stolen. 

Specialist insurance often also includes personal accident cover, and public liability cover in case you injure someone else or damage property. Finally, if you’re a dedicated racer, it’s worth looking for an insurance policy that covers damage during racing, lost race fees, and personal accident cover. It’s more expensive than home insurance, but you’re getting a lot of bang for your buck.

What do I do if I'm uninsured, but already been involved in a cycling accident?

If you’ve already been involved in an accident, but you're not covered by insurance, you're not without options. Many cycle accident solicitors operate on a no-win-no-fee basis and can help you make a claim to recover your costs. 

Online cycling retailer Wiggle has set up a branch called Wiggle Legal for this very purpose, and other similar companies, including Cycle SOS and Alyson France, can help you claim against the local council for potholes or guilty parties in road traffic collisions. Of course, it's not guaranteed that you'll win, and if there's no guilty party to claim against, you may come unstuck.

Should I report a stolen bike?

Absolutely. While the likelihood of recovering a stolen bike can often be quite low, it's even lower when not reported. It should be reported to the police, who will log it into their database. Should the bike ever be recovered, they will know its owner and reunite you with your steed. 

If you've not already had your bike stolen, then the first thing we'd recommend doing is noting down the frame's serial number, as this is unique to each bike. Then, if the bike is ever stolen, you can provide this serial number to the police and give them concrete proof that the bike belongs to you. 

It's common practice for a bike shop to attach the serial number to any bike transaction. Therefore, if your bike has already been stolen and you didn't write it down yourself, check your receipt. If that's lost, contact the shop where you bought the bike, they may be able to help. 

Do you legally need to have insurance to ride an e-bike?

This largely depends on your local laws, as they differ from country to country. Most commonly, however, if your bike complies with local laws pertaining to pedelecs – the details of which you can find in our best electric bikes guide – then from a tax and insurance standpoint your e-bike is classed as a bicycle and doesn't require insurance. 

However, as with any bicycle, it's a good idea to ensure you're covered in case of accident or theft. With electric bikes usually faster and heavier than standard bikes, there's more likelihood that you will cause third-party damage or injury in an accident.

Thieves are attracted to electric bikes for their higher value as well.

Josh is Associate Editor of Cyclingnews – leading our content on the best bikes, kit and the latest breaking tech stories from the pro peloton.

Josh has been with us since the summer of 2019 and throughout that time he's covered everything from buyer's guides and deals to the latest tech news and reviews. On the bike, Josh has been riding and racing for over 15 years.

He started out racing cross country in his teens back when 26-inch wheels and triple chainsets were still mainstream, but he found favour in road racing in his early 20s, racing at a local and national level for Somerset-based Team Tor 2000. 

These days he rides indoors for convenience and fitness, and outdoors for fun on road, gravel, 'cross and cross-country bikes, the latter usually with his two dogs in tow.

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Why do I need cycling travel insurance?

Cycling travel insurance is a must-have if cycling is the primary purpose of your holiday or trip, and it also covers you if you’re taking part in timed events.

Typical travel insurance excludes anything other than leisure riding. You need cycling travel insurance if you’re on a road cycling holiday with your club, a downhill mountain bike trip with friends, or competing in a sportive or triathlon abroad.

Our cycling holiday insurance covers emergency medical care and repatriation, including emergency mountain rescue and heli-rescue if you are injured riding in the mountains. The policy also has generous cancellation and Covid covers as standard.

Cycling travel insurance reviews

Travel insurance built for cycling holidays

If you are planning a cycling holiday, you need to make sure you have sufficient cycling travel insurance for cycling.

Pedal Cover travel insurance for cycling will cover medical mishaps and emergencies on your holiday, along with essential covers like cancelled trips, lost luggage and holiday money. 

We cover all forms of cycling as standard, including cycle tours, bike packing, multi-stage events, mountain biking (including downhill) and triathlon . We even cover emergency mountain rescue and heli-rescue if you are injured riding in the mountains

Please be aware bikes are not covered by our travel insurance. You can find more information on how to cover your bikes here .

Looking to cover your bikes?

What activities does cycling travel insurance cover?

Our cycle holiday insurance covers almost all cycling disciplines. Pedal Cover should be your natural choice if you’re going on a cycling holiday. If you don’t see an activity listed below, do not hesitate to contact our team, and we can check that out for you. Our policy also covers several other sports and pastimes as standard, listed in the policy wording or our FAQs below.

Cycling disciplines A-L

• BMX Racing (recognised track only)
• Criterium Racing
• Cycle Touring / Bike Packing
• Downhill Mountain Biking (incl. racing)
• Gravel Riding
• Leisure Cycling

Cycling disciplines M-T

• Mountain Biking (all mountain, enduro, freeride, slopestyle, speed & style, cross country, four-cross, marathon, pump track, and trail riding)
• Multi-stage / Ultra Endurance Cycling Events (e.g. RAAM/ Haute Route/ Transcontinental)
• Road Cycling (charity events, gran fondo, road racing, sportives, time trials and training holidays)
• Track Cycling
• Triathlon / Duathlon / Aquabike (half ironman distance, ironman distance, olympic distance, sprint distance and training holidays)

Our cycling travel insurance cover explained

Our cycle travel insurance covers everything you’d expect from a premium travel policy and other benefits unique to a cycle travel insurance provider—Below is a summary. Please read the policy wording to understand the requirements and limits of cover.

Emergency Medical Expenses

Covering medical mishaps while riding is crucial and is the primary feature of our cycling travel insurance. It is also frequently missing from standard travel insurance policies. We cover the costs of emergency medical care to £10 million. The cover includes mountain rescue and heli-rescue if you are injured riding in the mountains.

Our travel insurance policies include cover for Covid 19, emergency medical care, and other expenses such as cancellation and curtailment related to COVID 19.

We have a separate section below explaining the cover; click  here .

Cancellation, Curtailment

We will cover up to £5,000 for your travel and accommodation costs if you have to cancel your cycling holiday due to unforeseen illness or injury. Unlike standard travel insurance, our cycle holiday insurance also covers you for withdrawing due to an injury that prevents you from cycling on the trip, even if you could fly.

Do you need bike cover?

Remember, this policy doesn’t cover your bicycle. For this, you can purchase our bundled home and bike insurance , or we offer a no strings attached rolling monthly cycle insurance.

Cycling Specific Covers

We offer a cycle breakdown benefit if you have a mechanical and need to make it back to the hotel. Repatriation for your bike if you have to return home in an emergency. Bike hire if your bike fails to arrive or is stolen, and cover for your race fee if you have to withdraw or the event is cancelled due to bad weather. All these are included as standard on our cycle travel policies.

Cycling Liability Insurance

If you damage somebody’s property or injure another road user while cycling, you could find yourself liable for damages. Every Pedal Cover travel product includes £2 million public liability cover while cycling on a trip, including in races.

Multi or Single Trip

Whether you want a one-off policy for a cycling trip or a multi-trip policy for the whole year, we can put together a package to suit you.

Racing and Training

Some travel insurance policies include limited cover for cycling. You should check the small print; there are usually severe exclusions, particularly for racing or serious training. We can cover you for a family cycling holiday, training camp, during events such as Mallorca 312 or even downhill mountain biking.

Winter Sports Cover

Cancellation, medical expenses and repatriation are all covered as standard for winter activities for up to 17 days a year on our annual package. You get benefits like loss or damage to ski equipment, lost ski pasess, avalanche cover or resort closure.

Repatriation

If you injure yourself cycling abroad, our cycle travel insurance will cover mountain rescue and heli-rescue if you are injured riding in the mountains, and if necessary, we’ll cover the costs of repatriating you back to the UK.

Baggage & Money

We include cover up to £250 for lost or delayed baggage, up to £500 for holiday money, and up to £5,000 for valuables (which includes cycling clothing, helmets and shoes). Bicycles are not included under the baggage cover. If you need cover for theft or damage to your bicycles, we can insure them separately . 

We cover cycling gadgets, for example, your Garmin, Wahoo, GoPro or other high-value electrical items. Please read the policy to know you’re getting the right cover for your trip and activities.

Our cycle holiday insurance at a glance

Our policies have all the covers you’d expect from top-notch travel insurance and cover almost all cycling activities. Remember, this policy doesn’t cover your bicycle. For this, you can purchase our bundled home and bike insurance , or we also offer a no strings attached rolling monthly cycle insurance.

Core travel section

Cycle specific covers, winter sports (annual only), whatever your needs, we have you covered.

Single trip or an annual policy?

It is cheaper to purchase an annual policy if you plan to take a few trips over the course of a year, while still providing coverage for every race, and training camp you attend overseas.

Our annual policies also cover winter sports, so buying an annual cycle travel insurance policy before your summer bike trip could save you the trouble of finding another insurer.

However, if you have ‘standard’ travel insurance for most of the year, but need a top-up for a training camp, then one of our single trip policies might be best.

Do you need competition cover?

Cyclists taking part in races, tours, triathlons and charity events will need to consider choosing a policy with competition cover. If you have a crash during a competition or are injured, you need coverage for liability and medical costs. Most other travel insurance suppliers exclude competitions, but it’s available with us.

We even offer you cover if you have to withdraw from an event, which prevents you from being out of pocket for expensive entry fees.

Welcome to our cycling travel FAQ section

We can hopefully answer all your questions related to our travel insurance built for cyclists offered by Allianz. For customers with questions about other policies, you should go to the relevant product page or contact the team.

Cycle travel insurance predominately covers your medical expenses when travelling abroad. Amongst over things, it also covers costs if your trip is cancelled.

Cycle travel insurance does not, however, protect your bike. If you need cover for your bike, you can purchase our combined home & bike insurance , which bundles home contents, buildings, and bicycle insurance under one roof. If you don’t qualify for our home insurance or prefer dedicated cycle insurance , we also offer this as an annual contract or on a no-obligation rolling monthly basis.

Yes, our travel insurance provides coverage for downhill mountain biking, including participation in competitive events, emergency medical care and repatriation.

The policy also covers emergency helicopter evacuation.

Our cycling holiday insurance covers emergency medical care and repatriation, including emergency mountain rescue and heli-rescue if you are injured riding in the mountains.

Yes, we want you to be able to enjoy the warm weather and beautiful roads during your training camp with confidence, so we’ll pay for your emergency medical costs and return travel if a sickness or accident prevents you from enjoying the trip.

Our triathlon travel insurance covers all distances, including Ironman events. Along with a raft of other covers, we provide emergency medical or repatriation expenses should something go wrong abroad. We also cover your trip cancellation, including being unable to travel due to an injury leading up to your event.

Yes – When buying our travel insurance, be sure to choose Worldwide protection, which includes the USA.

If you don’t have any immediate plans to travel over the Atlantic, look at our European-only coverage, which is more affordable.

No – If you need cover for your bike, you can purchase our home insurance for cyclists , which bundles home contents, buildings cover (if you need it) and bicycle insurance under one roof.

If you don’t qualify for our home insurance or prefer cycle insurance only , we offer this either as an annual contract or on a no-obligation rolling monthly basis.

Yes. Our travel insurance is built to pay for unexpected medical needs. This is true for triathlons of any length and all types of bicycle racing, including mountain biking.

Our travel insurance is built to cover repatriation costs due to injuries sustained while on holiday, even when riding or competing on your bicycle. 

If a serious injury prevents you from attending an event that you have entered, we offer entry fee cancellation coverage. Before the incident that prevents you from participating in your race, you must have taken out an insurance policy with us. Additionally, we need documentation of the injury from a licenced medical professional.

On a yearly policy, there is no cap on the number of trips. However, no journey may last longer than 60 days away from the UK.

Our annual multi-trip travel insurance policy has a 120-day trip maximum, but you can take as many trips as you like during the year as long as no individual trip exceeds that length.

Our annual cycling travel insurance includes winter sports coverage as an extra benefit. You can go for a maximum of 17 days per trip for winter sports holidays.

If you are planning an epic touring excursion, we might be able to assist with a personalised insurance policy, but you’ll need to give us a call.

Please remember that once you start travelling, we can’t provide you with extended cover.

Our travel insurance covers up to five gadgets with a combined value of £2,000; this will cover any unintentional damage to your belongings while travelling or theft (e.g. from your hotel). The policy includes Garmins and also items like laptops, tablets, and cameras.

Please remember gadgets are not covered for damage while you are cycling. It’s best to look at the policy wording or call us if you are unsure.

We cover lots of of other sports – It is best to look at the policy wording for a complete list. 

Annual policies cover winter sports, so if you enjoy skiing or snowboarding over the winter, you won’t need to purchase an additional policy.

Our policy automatically covers you for one pre-existing medical condition from our list of automatically covered conditions .

If you have two or more conditions from the list below or a condition not on the list, the cover is excluded unless disclosed to the medical screening helpline, and the additional cover is agreed to in writing.

Automatically covered pre-existing medical conditions:

• Allergic reaction (anaphylaxis) provided that you have not needed hospital treatment for this in the last two years.
• Allergic rhinitis
• Arthritis (the affected person must be able to walk independently at home without using mobility aids)
• Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than two inhalers and no other medication)
• Blindness or partial sightedness
• Carpal tunnel syndrome
• Chickenpox – if wholly resolved
• Common cold or flu
• Cuts and abrasions that are not self-inflicted and require no further treatment
• Cystitis – provided there is no ongoing treatment
• Diabetes (which is controlled by diet or tablets only)
• Diarrhoea and vomiting – if wholly resolved
• Enlarged prostate – benign only
• Essential tremor
• Haemorrhoids
• Ligament or tendon injury – provided you are not currently being treated
• Macular degeneration
• Migraine – provided there are no ongoing investigations
• Nasal polyps
• Sinusitis – provided there is no ongoing treatment
• Skin or wound infections that have entirely resolved with no current treatment
• Underactive thyroid (Hypothyroidism)
• Varicose veins in the legs

Alternatively you can view a directory set up by the Money and Pensions Service. This directory provides easy access to companies that specialise in providing cover for pre-existing medical conditions, to enable customers to find the best value cover.

The directory can be accessed at https://traveldirectory.moneyadviceservice.org.uk/en or by calling 0800 138 7777.

Pedal Cover are not connected to the insurers provided by the directory. As we offer a travel insurance product aimed at cyclists you should ensure that, if using a firm on the directory, they are able to cover your intended cycling activities.

Our travel policy does not cover pre-existing medical conditions as standard. We offer a confidential, independent medical screening service to provide a top-up if you need cover for a pre-existing medical condition. Contact their helpline at + 44(0)1702 427 237.

After answering questions about your medical conditions, the screening service will confirm if they can cover them. They may need to charge a premium, and they will explain any additional requirements, such as an increased excess.

If the helpline can provide the additional coverage and you elect to purchase it, you must first buy our Pedal Cover cycling travel policy. You will supply the helpline with your Pedal Cover policy number. You will pay any premium for the additional cover directly to the screening helpline, not Pedal Cover.

Once the medical conditions are covered, the helpline will give you a screening reference number. The helpline will send a letter confirming cover, cost, and requirements. Please keep this safe as it is required in the event of a claim.

If you purchase our Pedal Cover travel insurance before speaking to the medical screening helpline, and subsequently, they cannot offer a top-up, or you are unhappy with the extra cost quoted, you can cancel your travel insurance with us. We will provide a complete, no-quibble refund within the first 14 days of purchase.

Yes, but the insurance will not provide coverage for any claims directly or indirectly related to the pre-existing medical condition.

Sports, pastimes and activities

• Abseiling (within organisers guidelines)
• Administrative or clerical occupations 1, 2
• Amateur athletics (track and field)
• American football
• Archaeological digging 1, 2
• Assault course
• Banana boating (as a passenger only) 3
• Big game hunting 1, 2
• Billiards/snooker/pool
• Bobsleigh 1
• Body boarding (boogie boarding)
• Bungee jumping (only as short duration incidental day excursion with licensed public hirer) 2
• Camel riding 1, 2
• Canoeing (up to grade 2 rivers)
• Cave diving (no solo diving) 2
• Clay pigeon shooting 1, 2
• Climbing (on climbing wall only)
• Climbing up to 3,500 metres on slopes classified as facile or easy including rock scrambling
• Deep sea fishing
• Driving any motorised vehicle that you are licensed to drive in your home country (other than in motor rallies or competitions) 1, 2
• Elephant riding/trekking 2
• Fell walking/running
• Fishing Fives
• Flying as pilot 1, 2
• Football (amateur only and not main purpose of trip)
• Glass bottom boats/bubbles (as a passenger only) 1
• Gliding 1, 2
• Go karting (within organiser’s guidelines) 1
• Golf Handball
• Hang gliding 1, 2
• High diving over 9 meters (supervised pools only, no rock diving/jumping) 2
• Hockey (must wear protective head gear)
• Horse riding (wearing a helmet and excluding competitions, racing, jumping and hunting) 1, 2
• Hot air ballooning (organised rides only) 2
• Hovercraft driving/passenger 1, 2
• Hurling (amateur only and not main purpose of trip)
• Indoor climbing (on climbing wall only) Jet boating 1, 2, 4
• Jet skiing 1, 2, 4
• Karting (wearing a helmet) 1, 2, 4
• Kayaking (up to grade 2 waters only)
• Kite Surfing 2
• Marathon running
• Motor sport (any type) 1, 2
• Orienteering
• Paintball/war games (wearing eye protection) 1, 2
• Parachuting 1, 2
• Paragliding (over water only – not over Must be licensed operator with professional guide and only in EU, EEA, USA, Canada, Australia and New Zealand.) 1, 2
• Parascending (over water only – not over Must be licensed operator with professional guide and only in EU, EEA, USA, Canada, Australia and New Zealand) 1, 2
• Pony trekking 2, 4
• Pot holing (must be a licensed operator with professional guide and wearing helmets)
• Power boating (no racing and no competitions) 1, 2
• Quad biking (wearing a helmet) 1, 2, 4
• Racket ball Rambling Refereeing
• Ringo (as a passenger only) 1
• Roller skating/blading/in line skating (wearing pads and helmets)
• Rugby (Union/League) not professional
• Running (non-competitive)
• Safari trekking (must be organised tour) 1, 2
• Sailing/yachting (includes amateur racing competitions) 1, 2
• Sand boarding 1, 2
• Sand dune surfing/skiing 1
• Sand yachting 1, 2, 4
• Scuba diving up to a depth of 40 metres (must be PADI/BSAC No solo diving and subject to scuba diving endorsement below)
• Scuba diving up to a depth of 9 metres (No solo diving and subject to scuba diving endorsement below)
• Shooting/small bore target/rifle range Shooting (within organisers guidelines) 1, 2
• Skateboarding (wearing pads and helmets)
• Sledging (not on snow)
• Snorkelling
• Spear fishing (without tanks)
• Speed sailing 1, 2, 4
• Street hockey
• Students working as counsellors or university exchanges for practical course work (non- manual) 2
• (no competitions,inland and coastal waters only 1
• Swimming with dolphins
• Swimming/bathing with elephants
• Sydney Harbour Bridge walk (walking across roped)
• Table tennis
• Tall ship crewing 1, 2, 4
• Ten pin bowling
• Trampolining
• Tree canopy walking (walking across roped)
• Trekking/hiking between 2,500 and 5,000 metres above sea level. (On organised tour along recognised routes No search and rescue other than for medical reasons.)
• Trekking/hiking/walking up to 2,500 metres above sea level
• Wake boarding
• War game/paint balling (wearing eye protection) 1, 2
• Water skiing/water ski jumping 1, 2
• Weight lifting
• Whale watching
• White water rafting (grades 4-6 waters only) 1
• White water rafting (up to grade 3 waters, as a passenger only, life jacket to be worn)
• Wind surfing/sailboarding 1
• Wind tunnel flying (pads/helmets to be worn)
• Zip lining/trekking (safety helmets to be worn)
• Zorbing/hydro zorbing/sphering 1
• Cover under Section G – Personal liability is excluded.
• Cover under Section C – Personal accident is excluded.
• Cover is excluded unless within organisers guidelines and as part of an organised activity led or instructed by professional guides or licensed organisers and all claims will be subject to three (3) times the standard policy excess .
• Cover is excluded when racing.
• Diving by persons not holding a recognised certificate for the type of diving being undertaken, or not under professional instruction.
• Diving without proper equipment and/or contrary to codes of good practice according to bona fide organisations such as PADI or BSAC.
• Diving to depths greater than 30 metres (or 40 metres if additional premium paid and shown on your validation certificate ).
• Solo diving or night diving or specifically organised cave diving or diving for hire or reward.
• Flying within 24 hours of last dive or diving whilst suffering from a cold, influenza, infection or obstruction of the sinuses or ears.
• Diving by persons aged under 12 years of age or over 65.

Our policy automatically covers you for one pre-existing medical condition from our list of automatically covered conditions . If you have two or more conditions from the list or a condition not on the list, all pre-existing medical conditions will be excluded from cover unless disclosed to the medical screening helpline and additional cover agreed in writing.

• Diarrhoea and vomiting – if completely resolved

Yes, all medical emergencies and associated costs will be covered.

Yes, you must have gotten an inoculation or vaccination against Coronavirus as recommended by the World Health Organization or the health authority in your country of residency to be compensated for any expenses incurred from contracting the disease.

The above is true for every contagious disease for which the World Health Organization or your country’s health authority recommends an inoculation or immunisation. Travellers to portions of Sub-Saharan Africa and South America, for example, are advised to get a Yellow Fever vaccine, and you would need to show proof of this vaccination to submit a claim for any expenditures incurred as a result of catching the disease while on vacation.

Yes, as long as you’re all covered by our insurance and all asked to quarantine. To confirm the quarantine order, you must be able to present medical evidence from the treating doctor or the local authority.

If you’ve been diagnosed with Coronavirus and are unable to travel, you’ll be covered as long as your doctor confirms the diagnosis and your inability to travel.

The policy covers cancellation as long as you have documented evidence from your airline that you were denied boarding because you were showing symptoms of a contagious condition.

If you have a valid cancellation claim, the cancellation section will refund you for all non-recoverable fees, including Visas, but only for the length of your cancelled trip.

No, if the UK is put in ‘Lockdown’ once again, there will be no coverage under the insurance for cancellation claims.

No, any charges (accommodation/travel) incurred in the event that the country you are visiting is “locked down” would not be covered.

If you can show medical proof that you have been diagnosed with Coronavirus or have been directly exposed to Coronavirus, you will be compensated for any additional lodging or travel expenditures.

Any essential medical expenses, as well as any additional travel or accommodation charges, are covered under the medical expenses part of the insurance.

All insured persons are covered for quarantine under the medical section, which includes coverage for additional lodging and flights.

The policy will cover you if a close family is diagnosed with Coronavirus and becomes extremely ill, necessitating your presence due to medical reasons. Their doctor will have to sign off on this.

Your insurance will cover the cost of any additional lodging incurred while you are under quarantine based on your unique symptoms or probable COVID-19 exposure, but it will not reimburse any pre-booked lodging fees. If you have any unused pre-booked and paid for excursions that are non-refundable, your insurance will reimburse you less the standard policy excess if you can provide documentary evidence to support the quarantine order from either the government, a public authority in the country you are visiting, or the treating doctor.

If you travel somewhere that is against FCDO guidelines, you will not be covered.

If you bought your single trip travel insurance before the change in FCDO guidelines and have not yet left, your policy will no longer give any coverage. You have the option of deferring your policy’s coverage period or requesting a full refund of your money.

If you bought your single trip policy before the change in FCDO advise and have already left, full policy coverage will apply as long as you follow all UK, local government, or equivalent instructions.

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• Best overall
• Best for expensive trips
• Best for exotic trips
• Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
• con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
• con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
• Trip cancellation for 100% of the trip cost
• Trip interruption insurance for up to 150% of the trip cost
• Emergency medical coverage of up to $250,000 per person
• Medical evacuation coverage of up to $1,000,000

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

• Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

• Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
• Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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