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Important Information About Our Policies

Please note, our policies do not provide cover for cancellation, abandonment or curtailment claims if the Foreign and Commonwealth Office (FCO) advises against all or "all but essential" travel.

Our policies will also not cover any claims caused by or relating to Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2), any mutation of Coronavirus, COVID-19 or SARs-COV-2 or any pandemic or fear or threat of any the above. We also can not cover any claims relating to any fear or threat concerning these viruses. This general exclusion applies to all sections of cover except for the Emergency Medical Expenses section. Click here for more information.

Cycle Racing Travel Insurance

If you are planning to take part in Cycle Racing and especially if you plan to do the L'Etape Du Tour in July 2020, you will need to get a Travel Insurance policy in place especially for Medical Cover and Repatriation.

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.


Please select Cycle Racing / Sportives (not professional).

This policy does cover Personal Liability.

Please Note: You will not be covered if you are suffering from anxiety, stress, depression or any other mental or nervous disorder on a Single Trip or Annual Multi Trip policy. These types of medical conditions would be excluded from the policy.

Please check the Terms and Conditions for any Restrictions or Exclusions.

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 Liability £2,000,000 -
Personal Accident £5,000 -
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 -

Extended Travel Delay

If you chose this option you will be covered for Independent Traveller (extended cover for cancellation, curtailment, delayed departure and travel disruption with the addition of accommodation expenses if your trip is disrupted by an event such as a natural disaster e.g. volcanic eruption or if the Foreign & Commonwealth Office advises against travel.)

Pre Existing Medical Conditions

If you have pre existing medical conditions and you plan to participate in Cycle Racing whilst travelling abroad, we are able to provide you with a policy.


Please check the Terms and Conditions for any Restrictions or Exclusions.

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.

Common Injuries

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

This 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 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 / or Back pain

This 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

These 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.

Sports Equipment Insurance for Cycling

The risks of Cycle Racing are often overlooked, but in this economic climate it is becoming increasingly important to protect yourself with Cycle Bike Insurance. Racing Bikes are often very expensive and any damage to your Bike could end up being very costly. 

We have partnered with a HB Insurance who can provide cover for your Cycle Racing Equipment, in transit, storage and whilst being used.


To discuss your requirements and to get a quote, please contact them on 0345 450 8547 or by email: sales@harrison-beaumont.com

Please use the Reference: JS Travel Insurance

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. The actual route sometimes changes each year.

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.

European and Worldwide Residents

World Nomads offers Travel Insurance if you are a Resident of another European or Worldwide country and you are planning to take part in Cycle Racing whilst on your trip.

These policies will also cover you if you have already left your home country and plan on taking part in Cycle Racing.


Please check the Terms and Conditions for any Restrictions or Exclusions.

Useful Websites

Cycling Weekly

British Cycling

JS Travel Insurance Blog

L'Etape du Tour 2020

Travel Insurance Toolkit

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