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Cycle Racing Travel Insurance

Cycle Racing is widely considered a more hazardous form of Cycling unlike Leisure Cycling or Cycle Touring due to the lack of protection in crashes with motor vehicles and the vulnerability to weather conditions. Safety equipment, such as cycling helmets, is designed to lessen the damage of impact collisions.

You can get a policy online for Cycle Racing on our ADVENTURES website. Please select Cycle Racing / Sportives (not professional).

If you prefer, you can contact us by telephone or email, on 0800 047 5065 (FREEPHONE) or 01273 773 017 info@jsinsurance.co.uk

Summary of Cover


Section & Cover Limit Per Person Excess
Medical Expenses £10,000,000 £100
Search and Rescue £50,000 £500
Personal Accident £5,000 -
Personal Liability £2,000,000 £200
Activity Equipment £1,000 £75
Delayed Activity Equipment £200 -
Activity Equipment Hire £300 -
Legal Expenses £25,000 -
Curtailment £2,000 £100


Section & Cover Limit Per Person Excess
Personal Baggage £2,000 £75
Delayed Baggage £200 -
Loss of Personal Money £300 £75
Loss of Travel Documents £1,000 £75
Cancellation £5,000 £100
Travel Disruption £1,000 -
Travel Delay £120 -
Trip Abandonment £5,000 £100
End Supplier Failiure £2,500 -

Common Injuries whilst Cycle Racing

Cycling injuries are either overuse injuries which develop over time due to repeated movement patterns, or traumatic injuries sustained after falling from your bike at high speed or a collision.

Knee Pain is the most common area of complaint for Cyclists due to overuse, poor technique or position. Anterior knee pain and patellofemoral pain syndrome are among the most common leg overuse injuries in Cyclists.

Patellofemoral Pain Syndrome is pain under or around the kneecap. Patellofemoral pain may happen due to frequent contact and rubbing of the kneecap on the thigh bone or when the kneecap is misaligned due to the repetitive motion of pedalling.

Osteoarthritis of the knee is also common amongst Cyclists; Osteoarthritis is a degenerative disease that results in gradual wear and tear of the joint cartilage, symptoms of Osteoarthritis include: Swelling, pain and a decrease in the range of motion. To avoid knee injuries, it is essential to have a proper racing saddle (which is narrow and rather hard) that is set up at the correct height.

Neck and back pain is usually caused by staying in one riding position for too long and factors such as poor posture and incorrect body positioning whilst riding. If the bike frame is too long or your handlebars are too low the rider tends to hunch over which causes increased strain on the neck and back.

Saddle Sores are an unavoidable nuisance while training for races and participating in races. They are causes by the repeatedly rubbing off the skin against the saddle, which cause abrasions and cuts. This is generally treated with ointments and pastes.

L'Etape Du Tour

L'Etape Du Tour is an organised Amateur Cycling race that takes place in July each year, and is from Annecy to Le Grand Bornard. There are 5 tough climbs and 4,000 metres of elevation.  This is a tough stage for L'Etape and usually attracts around 8,500 participants from all over the world and the event takes place on roads that are closed to the public / other traffic. We can provide cover for a one off day or for your complete trip, depending if you already have Travel Insurance already.

Important Information

You are required at all times to wear the appropriate safety equipment, for example protective clothing and / or suitable head protection.

Adventures Travel Insurance is arranged for JS Travel Insurance through P J Hayman & Company Limited who are authorised and regulated by the Financial Conduct Authority (Financial Services Register number 497103). Registered office: Stansted House, Rowlands Castle, Hampshire PO9 6DX. Reg no. 2534965. Adventures Travel Insurance is underwritten by Antares Syndicate 1274 at Lloyd’s. Antares is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

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