Insurance on trips

[journeyman]

Were away for a few weeks on our bikes in Europe- we thought we were covered by our bank for travel insurance - but unpicking the detail its OK for casual cycling but not travelling to and from the destination on our bikes. Another mis-sold bank product, but let's not go there. Do Boners bother with specialist cover and if so is there a preferred provider like CTC or BMC trekking cover? Bear in mind I've got a tiny tacker in tow. We've got our EHICs

[Pirahna]

Forget the EHIC card. It means you're entitled to state healthcare in EU countries at reduced cost, depending on where you are this may be free. It'll be worthless after October 31st.

Get proper travel insurance.

[In Reverse]

I've got a multi-trip policy with Insureand Go. It cost £32.79.

I'm covered for "Cycling" and "Mountain biking (not including downhill racing and extreme ground conditions)" but not "Cycle touring". I've always meant to clarify where the dividing line between cycling and cycle touring lay but just never got round to it.

[Wotsits]

You really need to have a read through each policy to see what they do & don't cover..

For example, lots of standard 'sports' policy's won't only cover you for certain riding, or even over a certain altitude.

I think Cycling UK/British Cycling policies vary from just third party to full travel cover.

CUK/BC policies are also useful to protect against liability at home. A recent example is the case of the guy who had to cover all the legal fees in an accident he was involved in, even though blame was apportioned 50/50.
https://www.theguardian.com/world/2019/ ... ion-london
As far as i know (atm) CUK cover also includes the EU..

Maybe an annual CUK policy with another specific travel one to cover your trip wouldn't be a bad option..

[lune ranger]

Forget the EHIC card. It means you're entitled to state healthcare in EU countries at reduced cost, depending on where you are this may be free. It'll be worthless after October 31st.

Get proper travel insurance.

However....
Until we leave the EU don’t travel to Europe without it as you will find it very handy and not using one may invalidate your insurance.

[fatbikephil]

+1 for insure and go. I have winter sports cover which includes downhill biking, ski touring, mountaineering (sub 2k m) helicopter recovery, motorbiking. £60 per year

[Charliecres]

I’ve always used Dogtag for foreign trips (which have always involved what insurers consider extreme downhill riding). Friends now reckon Yellow Jersey is cheaper and I’ll probably try them later this year. Never claimed so no real useful experience.

[jaminb]

Dogtag has Bikepacking and extreme or competition (i think) bikepacking listed as activities.

[MarkW]

I've been looking into this, for my upcoming trip. Be very careful around the policy wording. Insure and go (as a few have recommended) has a single article limit of £1000. That would be your bicycle. I'm sure many have very valuable bikes.

[ScotRoutes]

My bikes are covered under home insurance.

[MarkW]

wow, even stolen from a foreign country?

Home insurance is another you have to be careful with. An integrated garage can be classed as an outbuilding, and outbuildings sometimes have their own smaller limits. Policy wording is a minefield - and tedious!

[MuddyPete]

Post Office insurance for annual multi-trip travel - but read the policy T&C to ensure you will be covered for the activity you desire.

Other specialist sports insurance as necessary, depending on the sport.

The devil's in the detail .