Sports Travel Holiday Insurance Cover for Road and Mountain Biking
by admin on Feb.28, 2010, under Travel insurance
Adventure sports travel insurance is essential for cycling holidays. Find out what sports insurance is required and whether a basic or specialist travel policy is best.
Cycle insurance for an activity holiday is not just a matter of protecting sports equipment against damage or theft in transit. Active travellers need to be adequately covered when participating in potentially hazardous sports and the average basic travel insurance policy excludes so called “extreme sports” like mountain biking.
This article looks at the insurance requirements for most cycling holidays and the benefits of taking out specialist adventure travel insurance.
Virtually all adventure holiday companies make sports insurance a condition of joining any mountain bike holiday. Small group travel operator Exodus , for example, states that participants “must be insured against medical and personal accident risks, to include repatriation costs, air ambulance and helicopter rescue.”
Participants are usually asked to complete a medical questionnaire before booking a trip and must provide proof of their insurance cover upon arrival at the cycling holiday destination.
Activity holiday insurance is often categorized into different grades of cover by sport. Skiing and mountain biking, for example, usually have a lower hazard rating than sky sports like hang gliding or sky diving. The grades merely determine the cost of the policy, however, as most sports travel insurance includes cover for the following:
When comparing policies to get the best cycling holiday insurance, consider:
People who already have a multi trip travel policy that excludes certain activities like cycling should also look at top-up insurance policies which may be cheaper than taking out specific adventure travel insurance. Sportscover Direct , for instance, offers activity top-up policies in a number of different sports.
While some people are happy to risk travelling without holiday insurance, anyone considering a cycling holiday should look to take out specialist sports travel cover. Although serious accidents may be rare, it is always worth having peace of mind in the event of personal injury and the need to be repatriated by air ambulance.
Also of interest may be Cycle Insurance to Replace a Stolen Bicycle , How to Choose a Mountain Bike Holiday and What to Pack for Mountain Bike Holidays .
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