Cycling Travel Insurance
- 24/7 Emergency medical cover
- Search and rescue
- Repatriation
- Personal liability
Travelling with a bike...
Cycling is extremely popular in the UK and one of the best ways to stay fit and experience the natural world around us. Cycle touring holidays have become increasingly popular and one of the most successful activity holiday sports in recent years. Insurance, whilst the last thing we want to think about before heading overseas on a cycling trip, is a vital piece of kit. Insuring yourself and your bike is easy to organise with a specialist activity travel insurance like Snowcard. It is also worth checking your home contents insurance which may cover your bike on holidays.
With our flexible policies, you have the power to tailor a policy that matches your needs. Whether you just require core cover for emergency medical expenses and personal liability whilst cycling or full travel cover including your bike, equipment and holiday cancellation, a Snowcard policy allows you to tailor your insurance to your needs.
Snowcard offer one of the best cycling holiday insurances available in the UK and have been providing cycling insurance along side our winter sports insurance for over 35 years.
What insurance do I need for cycle touring?
Whether you're planning a relaxing cycling holiday with the family or looking to take part in challenging iron man competitions or cycle touring sportive events, Snowcard have the right cycling trip insurance for you that will insure you for accidents and injury, personal accident and personal liability. You can also insure your bike and equipment and if you are joining an organised bike holiday such as a Redspokes tour, you can include trip cancellation and travel disruption cover.
We provide cycling holiday insurance for a range of bike sports depending on the cover options you choose for;
- Cycle touring
- Cycle touring - road racing
- Endurance cycling events
- Iron man amateur events
- Triathlon amateur events.
If you ride off road then you’ll be pleased to know that we also provide specialist mountain biking travel insurance.
Will Standard Travel Insurance Provide Cycle Holiday Insurance Cover?
If you already have travel insurance it may well cover cycling but be sure to always check your policy wording to ensure you have adequate cover for cycling holidays that includes emergency rescue, repatriation and personal liability insurance.
Standard cover, like that provided free with bank accounts, will not necessarily always provide cycle trip insurance, and almost certainly not cover for your bike. Should you have an accident remember the GHIC only provides basic state services and without insurance, you will have to pay for some or all of your treatment as well as ambulance charges.
With a Snowcard policy, you can enjoy your cycling holiday safe in the knowledge that you have specialist cycling holiday insurance which is tailored and personalised to you that will cover your emergency medical treatment and get you and your bike safely back home.
Is it better to insure cycle holidays on an annual travel policy?
If you only travel once or twice a year, it is generally more cost effective to insure each holiday on a single trip policy. If you travel abroad on more than three holidays a year, whether cycling or a mixture of activity, ski or city break holidays, annual travel insurance usually saves you money.
At Snowcard we offer single trip cycling travel insurance cover for durations up to 90 days. We also provide multi-trip policies, which provide cover for several cycling holidays a year with single trip limits of 31, 45, 60 or 90 days.
You can cover multiple activities on an annual policy, select the cover option for your highest risk activity. Use the 'find my level of cover' tool in the 'quote builder'.
If you would like to find out further information about our cycling holiday insurance then please get in touch with us by email. We will be more than happy to answer any questions or queries you may have about your cycling trip insurance.
Specialist Cover That Reflects How You Travel
From road racing to high-altitude trails, our policies are designed for active travel — adventure insurance for thoughtful adventurers
£10m Emergency medical expenses
Search and rescue included as standard
Personal liability protection
Flexible cover levels tailored to your trip
Frequently Asked Questions
Cycling has been the growth sport in recent years and has become hugely popular both in the UK and on the continent where cycling is treated almost like a religion. In Europe, the roads, routes, views and facilities for cyclists are generally superior to the UK and the traffic is quieter! Depending on the type of cycling you are doing, you will need to take a specialist cycle touring policy to cover personal injury, medical expenses, repatriation and personal liability.
Cycle touring travel insurance covers emergency medical assistance, ambulance charges and repatriation to home in the UK for road and trail accidents should you fall or be involved in a collision with another road user.
With Snowcard travel insurance, as standard you will receive medical and liability cover, £10 million for emergency medical expenses and £2 million for personal liability. All policies include ambulance and airlift expenses. You can customise your insurance to cover personal belongings, sports equipment including bikes, electronics (techno pack), cancellation and travel interruption.
Whilst it is not mandatory to hold third party liability for riding non-motorised bikes on roads in Europe, it is strongly recommended.
Check that your travel insurance includes personal liability cover for any activities you engage in on holiday.
Cover for a Wide Range of Activities
Explore all activities
Winter & Snow
- Skiing on and off-piste
- Snowboarding
- Ski touring & heli-skiing
- Winter mountaineering
Mountain & Trekking
- Trekking
- Rock climbing
- Mountaineering
- Via ferrata & bouldering
Cycling & Biking
- Cycle touring worldwide
- Mountain biking
- Trail & downhill
- Enduro & dirt
Water Activities
- Scuba diving
- Surfing & sailing
- Windsurfing
- Kayaking & white water
Multi-Activity
- Backpacking & safaris
- Golf & tennis
- Horse riding
- General sports holidays
Why Snowcard is the best travel insurance
Experience You Can Rely On
With over 35 years of specialist experience, Snowcard has built a reputation among serious travellers across skiing, climbing, cycling and adventure travel with over 50,000 regular clients.
- Trusted by generations of UK adventurers
- Specialist policies for real-world conditions
- Independent and founder run
This isn't standard insurance adapted for adventure.
It's built specifically for it.
Still independently run. Still focused on adventure. Snowcard remains a founder-led business, with decades of experience guiding everything we do.
Confidence to Go Further
The most rewarding experiences often lie just beyond your comfort zone. With the right preparation, uncertainty becomes opportunity.
Snowcard gives you the confidence to:
- Adapt your plans
- Take on more ambitious challenges
- Focus on the experience and not the risk
Underwritten by A+ rated insurers and supported by the International Medical Group, Snowcard provides 24/7 emergency assistance worldwide.
Ready for your cycling adventure?
35 years of specialist experience. Cover built for every kind of rider.