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Cycle Racing Travel Insurance

JS Travel Insurances provides cover for Cycle Racing / Sportive Travel Insurance for cycle racing challenges like the L'Etape Du Tour or Mallorca 312; all of our schemes include cover for Medical and Repatriation cover back to the UK, Search and Rescue and more whilst you are Cycle Racing and Travelling.  To contact us by telephone or email, 0800 043 0020 /…

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JS Travel Insurances provides cover for Cycle Racing / Sportive Travel Insurance for cycle racing challenges like the L'Etape Du Tour or Mallorca 312; all of our schemes include cover for Medical and Repatriation cover back to the UK, Search and Rescue and more whilst you are Cycle Racing and Travelling. 

To contact us by telephone or email, 0800 043 0020 / 01273 092 757 support@jsinsurance.co.uk

Summary of Cover (per person)

Section & Cover Silver Gold Platinum
Emergency Medical and Repatriation* £5,000,000 £5,000,000 £5,000,000
Search and Rescue* £25,000 £50,000 £50,000
Cancellation or Curtailment* - £3,000 £7,500
Personal Baggage* £500 £2,500 £3,500
Activity Equipment £1,500 £1,500 £1,500
Valuables* £250 £250 £500
Loss of Passport* - £300 £500
Travel Delay - £300 £1,000
Trip Abandonment* - £3,000 £7,500
Missed Departure / Connection - £500 £500
Legal Expenses* - £25,000 £50,000

*Excess payable does vary depending on the claim benefit.

Please read the Policy Wording for the complete list of Benefits.

Healix Insurance Services Ltd, on behalf of Hamilton Insurance DAC, arranges this Travel Insurance policy for Jade Stanley Ltd. Healix Insurance Ltd is registered in England and Wales under No. 5484190 and authorised and regulated by the Financial Conduct Authority under No. 437248. Hamilton Insurance DAC is registered in Ireland No. 484148, authorised by the Central Bank of Ireland, and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority in connection with their UK branch. Jade Stanley Ltd is registered in England and Wales under No. 03570857 and authorised and regulated by the Financial Conduct Authority under No. 306205.

Cycle Racing Travel Insurance FAQs 

1. Am I covered medically while participating in a cycle race if I have an accident or get injured? 

Our policies cover Emergency Medical Expenses up to 5m in the event of a Cycle Racing accident or injury or whilst you are travelling. 

All policies come with a 24/7 Emergency Assistance Line.

2. Does this policy cover the Repatriation of the bike? 

This policy will not cover the Repatriation of the bike. However, it does cover Repatriation back to the UK for you if it is medically necessary; this is covered under Emergency Medical expenses. 

3. Does this policy cover Personal Liability if I ride into another racing participant?

This policy does not cover any Personal Liability arising directly or indirectly from any bicycle's ownership, possession, or use. 

4. Is it mandatory to wear a cycle helmet whilst I am Cycle Racing? Is my policy valid?

Yes, you must always wear a helmet when Cycle Racing for the policy to be valid; this will also protect you from severe head injuries. 

5. Is my bike covered for when I am Cycle Racing? 

No, we do not cover Activity Equipment whilst it is in use; however, we do cover Owned Activity Equipment up to £1,500 (single article/pair/set limit: £750) or Hired Activity Equipment covers up to £750 (single article/pair/set limit £500) whilst your bike is in transit or locked storage for any accidental damage, loss or theft. 

6. Cycle Racing is my trip's sole purpose; is this covered?

Yes, all of our Cycle Racing policies are covered on a sole purpose basis; this will mean you are covered for the whole time you travel and participate in the Cycle Racing.

We also cover 400+ Sports and Activities on a sole-purpose basis.

7. I cycle race multiple times yearly; can I get an annual policy for this?

Yes, we have 3 Levels of coverage for Annual Travel Insurance, including Cycle Racing. All offer 31-day maximum trip length days per trip with unlimited Cycle Racing days. 

8. Does this policy cover me for Cycle Racing Events like the L'Etape Du Tour? 

This policy covers the L'Etape Du Tour (Amateur Cycle RACE). This is one of the most popular races/sportives we cover; we cover hundreds yearly by attending this event.

There are challenging climbs and 4,000 metres of elevation; over 15,000 cyclists participate in this race yearly!

Please find out more in our L'Etape Du Tour Blog.

9. Would this policy cover me for Endurance Cycle Racing Events like the Transcontinental?

This policy would not cover it on its own. However, we can cover it. To be covered for Endurance cycle events, you must select Cycle Racing/Sportive and Endurance Cycle Events in the quote process.

We cover many Endurance Cycle Racing events yearly, from the Transcontinental, Tranpyrness, Transiberica, Panceltic and.

Please find out more in our Transcontinental Blog.

10. Can I get cover for Cycle Racing if I have pre-existing Medical Conditions?

Our provider, Adventures, can cover those looking to Cycle Racing and their Pre-Existing Medical conditions. Please select Cycle Racing / Sportive during the quote process.

Top European Cycle Races / Sportives

Tour of Flanders Sportive - March 2024

Mallorca 312 - April 27th 2024  

Le'Etape Du Tour - July 2024

Marmotte Alps Gran Fondo - July 7th 2024 

Maratona dles Dolomites - July 7th 2024 

Haute Route Alps - August 2024

Cycle Race Safety Tips

Wear a Good Helmet: For maximum safety, wear a good and well-fitted cycle helmet at all times to protect yourself from a fatal injury and ensure your travel insurance policy is valid.

Know your strengths and weaknesses: Focus on what you are good at and reduce what you are not good at when Cycle Racing; knowing your strengths and weaknesses will help you to race more effectively.

Train specifically for the race: Train for the race or sportive you are planning on entering or have entered; if the race is hilly, then do a lot of hill training. If it's a time trial race, focus on timing yourself whilst training. For travel insurance for Cycle Training Camps, Click Here.

Practice riding in a group: Most cycle races are in big groups, so you should practice riding with other cyclists and get used to it if you are a beginner; by doing this, you can learn to stay safe and race efficiently.

Learn how to draft: Drafting is a great way to save energy in a race. When you draw behind another cyclist, you can slipstream behind them, reducing the wind resistance you must overcome.

Position yourself wisely: If you are not a strong rider, don't spend all your time at the front of the pack. You will waste your energy, find your spot within the group and focus on drafting other riders until it's time to up your cycle ability.

Pace yourself: Cycle races are exciting, and it's easy to overexert yourself at the start of a race; by not pacing yourself, you will fade in the later stages of a race, which could make you drop positions or not hit the time you are capable of, pace yourself and finish strong!

Eat and drink regularly: Staying hydrated and fueled with energy during a race can keep you strong and alert; you should eat and drink little and often throughout the race to avoid getting tired or too full.

Common Cycle Racing Injuries 

Cycling injuries are overuse injuries that develop over time due to repeated movement patterns or traumatic injuries sustained after falling from your bike at high speed or colliding.

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 Cyclists' most common leg overuse injuries.

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 pedalling motion.


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 somewhat hard) that is set up at the correct height.

Neck and 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.

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 unavoidable nuisances while training for races and participating in races.

They are caused by repeatedly rubbing off the skin against the saddle, which causes abrasions and cuts. This is generally treated with ointments and pastes.

Cycle Racing Annual Multi-Trip Benefits

If you travel multiple times yearly for Cycle Racing / Sportive events or standard travel, then an Annual mutual trip policy may be a good idea.

31-Day Maximum Trip Length Days: Our policies include 31-day maximum trip length days with unlimited Cycle Racing Days.

Peace of Mind: Having an Annual policy can give you peace of mind that you are covered for 12 months for travel and Cycle Racing and have your travel insurance benefits covered, such as Medical, Cancellation, Baggage, and more.  

Cost Effective: An Annual policy can save you money if you travel multiple times a year; buying a single-trip policy for every trip can add an extra cost.

Convenience: Not only can it save you money, but it can save you time having one policy for the year and not having to search for one every time you travel.

Pre-Existing Medical Conditions

If you have been in Cycle Racing before and may have had an injury or accident whilst taking part in Cycle Racing, you must declare this when purchasing a policy.

Our provider (Adventures) can offer travel insurance, including Cycle Racing, if you have a pre-existing medical condition.


Useful Websites

Cycling Weekly

British Cycling

Travel Insurance Toolkit

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