Cycle Touring & Bikepacking Insurance: Everything You Need to Know (& Popular Insurers)

Images play a vital role in telling a story, and sometimes unexpected problems can be fixed, while others may require some financial support. That's where insurance comes into play. In this article, we will delve...

Images play a vital role in telling a story, and sometimes unexpected problems can be fixed, while others may require some financial support. That's where insurance comes into play. In this article, we will delve into the world of cycle touring and bikepacking insurance, providing you with a comprehensive understanding of the topic.

Understanding the Different Types of Insurance

When it comes to cycle touring and bikepacking insurance, there are two main categories to consider: bicycle insurance and travel insurance. Cyclists typically focus on insuring their bikes against theft or damage, while travelers look for coverage that includes medical expenses and personal liabilities.

It is important to note that these are separate insurance products, and it can be challenging to find comprehensive coverage that includes both. In most cases, you will need to purchase two separate insurance policies - one for yourself and another for your bike.

Bicycle Insurance for Overseas Travel

If you are specifically looking to insure your bicycle for theft or damage while traveling abroad, there are a few options available. However, these policies usually have limitations and can be quite expensive. Two notable providers in the UK are ETA and Yellow Jersey. ETA offers an annual cycle insurance policy that covers bikes and accessories for up to 90 days abroad, while Yellow Jersey provides specialist bicycle and travel insurance with coverage for overseas travel. It is worth exploring these options if you are a UK resident.

If you reside in other countries and have recommendations for bicycle insurance providers, feel free to share them in the comments section.

Travel Insurance for Cycle Touring & Bikepacking

For longer trips where you are primarily focused on travel and are willing to rely on your own precautions to protect your bike, travel insurance policies that cover cycle touring and bikepacking are the way to go.

However, it is important to note that most so-called "annual" travel insurance policies only cover individual trips of up to 30-90 days within a year. Additionally, many long-term travel insurance policies do not explicitly cover cycle touring and bikepacking, and intercontinental trips may also be excluded. Furthermore, even the most comprehensive policies are unlikely to cover the loss, theft, or damage of an expensive touring bike or bikepacking equipment.

Despite these limitations, there are a few insurers that offer coverage specifically for cycle touring and bikepacking. Some popular options include Insure And Go, Adventures Insurance, WorldNomads, Campbell Irvine, and The BMC. Each provider has its own terms and conditions, so it is recommended to reach out to them directly for a quote.

Key Considerations When Buying Insurance

When it comes to purchasing cycle touring and bikepacking insurance, it is essential to keep a few things in mind. Firstly, negotiation is possible, especially when discussing coverage and prices over the phone. Therefore, it is recommended to speak directly with insurers to ensure you get the coverage you need at a fair price.

Secondly, in the event of a medical emergency abroad, it is common for insurers to advise returning to your country of residence as soon as possible. This is due to the termination of insurance coverage once you return home, as your domestic healthcare system takes over. It is crucial to be aware of this potential scenario and understand the implications it may have on your coverage.

Lastly, while insurance provides financial protection, it is equally important to prioritize safety and security during your trip. Taking precautions and maintaining a healthy attitude towards safety can greatly reduce the likelihood of accidents or theft.

In conclusion, acquiring insurance for cycle touring and bikepacking can be a complex process, but with the right information and guidance, you can find suitable coverage to protect both yourself and your valuable equipment. Whether you choose bicycle insurance or travel insurance, be sure to analyze your options carefully and select a policy that meets your specific needs.

And remember, a future article will explore safety and security tips to ensure a successful and worry-free journey.