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Insurance for bike trip abroad

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  • 25-07-2018 10:45am
    #1
    outfox
    Registered Users Posts: 942 ✭✭✭


    My travel insurance policy does not include cycling cover, where the main purpose of the trip is to go cycling. I'm doing the Raid Alps with a few club mates next month, and the tour company has asked that we specifically obtain cycling cover.

    Can anyone explain to me what exactly I need the additional cycling cover for? I assume my regular travel insurance policy will cover potential issues relating to the flights and baggage. And maybe getting injured when falling off some table at 2 in the morning.

    My health insurance policy provides covers for injuries etc. And I also have that Euro health insurance card.

    Surely that's everything covered, apart from bike damage while on the road? Am I missing something?


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    #2
    cdaly_
    Registered Users Posts: 6,440 ✭✭✭cdaly_


    I'm guessing they're thinking of racing / sportives where you might sustain injury. OTOH your Cycling Ireland license includes insurance covering that style of thing.


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    #3
    outfox
    Registered Users Posts: 942 ✭✭✭outfox


    I think the CI insurance might not cover cycling abroad, as it could be difficult to argue that the trip forms part of your training, and it's definitely not a CI sanctioned event.
    I still can't figure out why specific cycling cover is required for a trip abroad, where someone already has a general travel insurance policy, and a health insurance policy, and that European health card thing.


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    #4
    magicbastarder
    Moderators, Category Moderators, Arts Moderators, Sports Moderators Posts: 49,591 CMod ✭✭✭✭magicbastarder


    outfox wrote: »
    Surely that's everything covered, apart from bike damage while on the road? Am I missing something?
    is there an issue in relation to third party coverage maybe?
    but would the organisers of the raid alps (assuming there is an organiser) cover this?


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    #5
    CramCycle
    Moderators, Sports Moderators Posts: 24,933 Mod ✭✭✭✭CramCycle


    Third party liability would be the only main one. Mail CI and tell them you are going on a training trip, and just to ask is your typical CI insurance valid. It was for me but always good to have written confirmation.


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