Activities
Overview
This travel policy is for travellers wanting cover for cycling in all its forms — and activities with a little more adventure.
What better way to explore new and warmer surroundings than by bike? You’re covered for on and off road adventures — and if there’s a start line involved, you’ve enough to worry about with racing tactics and finish-line celebrations, so ride and race abroad knowing you’re covered.
Don’t worry, we include many other activities as standard too — we appreciate there are those who take great pleasure in other forms of exploring, not just on two wheels.
If you want cover for any activity in categories 1–4, you can add these to your policy under Hazardous Activities and Sports – Additional Activities.
Please check the list below, as well as your policy wording, for a full breakdown of what’s covered.
Cycling Activities
Unless stated, cycling cover includes both on and off road riding. The activity category varies according to the type of riding you’re doing and the elevation you’ll be riding at, so pick the one that best matches your plans.
Activity
Cycling
Category
Included
Conditions
Not main purpose of the trip – recreational only, no racing or competitions.
Activity
Mountain Biking
Category
Included
Conditions
Not main purpose of the trip – recreational only, no racing or competitions.
Activity
Bike Polo
Category
1
Conditions
No cover for Personal liability.
Activity
Cycling – road and track competition or main purpose of the trip
Category
1
Conditions
No cover for Personal liability. Up to 2,500m altitude.
Activity
Cyclocross Racing
Category
1
Conditions
No cover for Personal liability.
Activity
Cycle Speedway
Category
1
Conditions
No cover for Personal liability.
Activity
Duathlon
Category
1
Conditions
No cover for Personal liability.
Activity
Triathlon (inc Ironman)
Category
1
Conditions
No cover for Personal liability.
Activity
Road Cycling
Category
1
Conditions
No cover for Personal liability. Up to 3,500m altitude within Europe.
Activity
Endurance Cycling Competitions
Category
1
Conditions
We cannot cover any endurance cycling event or competition which the Event Organisers deem to be self-supported or self-sufficient. If you are unsure whether this applies to your event, please contact Jackson Lee Underwriting for assistance. Please also contact Jackson Lee if your endurance event / competition involves cycling at altitudes above 2,500 metres. An endurance event is considered to be competitive if it is ranked by result or if any prize or competitive score is awarded.
Activity
BMX – racing and training
Category
2
Conditions
No BMX stunt riding. No cover for Personal liability.
Activity
Cycling – escorted trips on established, documented paths / tracks / mapped routes
Category
3
Conditions
No cover for Personal liability. From 2,501 to 5,000 metres altitude.
Activity
Mountain Biking – competition
Category
3
Conditions
On designated tracks. No cover for Personal liability.
Activity
Downhill Mountain Biking
Category
3
Conditions
On designated tracks. No cover for Personal liability.
| Activity | Category | Conditions |
|---|---|---|
| Cycling | Included | Not main purpose of the trip – recreational only, no racing or competitions. |
| Mountain Biking | Included | Not main purpose of the trip – recreational only, no racing or competitions. |
| Bike Polo | 1 | No cover for Personal liability. |
| Cycling – road and track competition or main purpose of the trip | 1 | No cover for Personal liability. Up to 2,500m altitude. |
| Cyclocross Racing | 1 | No cover for Personal liability. |
| Cycle Speedway | 1 | No cover for Personal liability. |
| Duathlon | 1 | No cover for Personal liability. |
| Triathlon (inc Ironman) | 1 | No cover for Personal liability. |
| Road Cycling | 1 | No cover for Personal liability. Up to 3,500m altitude within Europe. |
| Endurance Cycling Competitions | 1 | We cannot cover any endurance cycling event or competition which the Event Organisers deem to be self-supported or self-sufficient. If you are unsure whether this applies to your event, please contact Jackson Lee Underwriting for assistance. Please also contact Jackson Lee if your endurance event / competition involves cycling at altitudes above 2,500 metres. An endurance event is considered to be competitive if it is ranked by result or if any prize or competitive score is awarded. |
| BMX – racing and training | 2 | No BMX stunt riding. No cover for Personal liability. |
| Cycling – escorted trips on established, documented paths / tracks / mapped routes | 3 | No cover for Personal liability. From 2,501 to 5,000 metres altitude. |
| Mountain Biking – competition | 3 | On designated tracks. No cover for Personal liability. |
| Downhill Mountain Biking | 3 | On designated tracks. No cover for Personal liability. |
All activities
Not just racing on your trip? you’re covered for paddle boarding too. Check out the policy wording where you’ll find a full list of all included activities.
