For information relating to policies purchased prior to 27 June 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 27 June 2024, please see below.
Yes, your policy can offer cover for you while cycling and mountain biking abroad. You must choose the right level of adventure sport coverage, depending on what you're planning to do.
What's covered
- Cycle touring: Independent, group, or organized tours (limited to one continent only; no intercontinental cycle touring coverage available);
- Mountain biking: On-road, off-road, cross country, tracks, downhill trails, and incidental biking during the trip.
What you must do to be covered
All you need to do is list the specific cycling activity you want to try when buying your policy, eg 'Cycling - incidental to trip' or 'cycling - independent cycle touring' etc. Easy! Special Conditions and Exclusions apply to certain cycling activities, so be aware of these.
You must add all the adventures and activities you plan to try on your trip and pay any applicable additional premium when you buy your policy. You won’t be able to make changes after your policy is issued.
How it works
Providing you’re acting in a reasonable way, using all recommended safety equipment and necessary protective clothing, cover is available if you’re unfortunate enough to have an accident and hurt yourself while riding a bike for:- Evacuation if it’s urgent and medically necessary (by the most appropriate means including helicopter when necessary and available). We can arrange transportation back to the nearest and most suitable medical facility;
- Emergency medical expenses overseas for treatment at the hospital or by a doctor at the local medical centre; and/or
- Repatriation (curtailment) home if you’re seriously ill or injured and unable to continue your trip (subject to the agreement of the insurer).
If something does happen to you and evacuation is medically necessary, you or someone with you must contact the 24/7 Emergency Medical Assistance Team immediately and remain in contact until you no longer require treatment or assistance.
Medical transport and repatriation
Subject to our approval, the medical transport and repatriation benefits are payable from the date the sudden illness first manifested or the injury occurred. In case of an incident requiring evacuation, immediately contact our Emergency Medical Assistance Team and remain in contact until you no longer require treatment or assistance.
Who pays for medical treatment (and by this we mean either you pay upfront and claim later or we pay) depends on what’s happened to you and the necessary treatment required.
What’s not covered
Here are some of the main things that aren’t covered:
- Biking/cycling/mountain biking professionally i.e. you are being paid or sponsored or competing at international events as a national representative.
- Loss, theft or damage to your bike and accessories.
- Personal Liability while biking/cycling.
- Anything else that's listed in the Activities we do not cover and exclusions under Section 11.
The policy isn’t designed to cover everything. Take the time to read the terms and conditions, limitations and exclusions in the policy wording for full details on what is and isn’t covered. That way there are no surprises if you need to use it. If you are unsure of whether or not you have the right cover, please contact us for help.
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