Bicycle insurance
Get cheap cover for your bike
If you cycle, bike insurance isn’t always essential – but going without could leave you seriously out of pocket if things go wrong. This guide helps you decide whether insurance is worth the cost, or if you’re better off riding without a financial helmet.
First, a quick overview of bicycle insurance
If you cycle, you don’t always need bike insurance – but without it, you could face a big bill if your bike’s stolen or damaged. Here’s how to work out if it’s worth getting cover.
Check your home insurance first. Many home contents policies cover bikes inside the home (and sometimes outside for an extra fee). Always check the value limit and exclusions.
Only buy specialist bike insurance if you need it. It’s usually worth it for high-value or custom bikes, or if you race, commute daily, or travel with your bike.
Get quotes from comparison sites. See our top picks for specialist cycle insurance.
Try a specialist insurer. If you know you want specialist bicycle insurance, we've full best buy tables for bikes worth up to £500, from £500 to £1,500, and up to £3,000.
Check special deals. We also feature a number of discounts from certain bike insurers. Try these and compare prices with those in our best buys.
Keep your bike secure. Use an approved lock and follow your insurer’s storage rules – claims are often rejected if your bike wasn’t locked properly.
Consider self-insuring for cheaper bikes. If your cycle’s low-value, it may be better to save what you’d pay in premiums into a top-paying savings account instead.
Do I need bicycle insurance?
This all depends on how risk averse you are, and how much your bike costs. Bike insurance can offer a financial safety blanket if your bike gets stolen or damaged in an accident.
However, it can be expensive over the long run, so if you're unlikely to claim or don't have an expensive model, you may be better off sticking the money in a top savings account, so the cash is there if you need to repair or replace your bike.
Your bike may also already be covered (up to a limit) if you have home contents insurance. Here are two scenarios to consider...
You've a £250 bike and pay £40 a year on insurance
With a £100 excess you'd get back £150, but as you've spent £40, you're getting a net £110 back. Not bad, but if you didn't claim for four years, you'd have been better off without the insurance.
You've a £3,000 bike and pay £220 a year on insurance
With a £100 excess you'd get back £2,900, but as you've spent £220, you're getting a net £2,680 back – well worth it. Even if you made a claim after 10 years, you'd still be quids in (assuming you get back the full original value of the bike).
Whether insurance is worth it largely depends on the value of your bike, as well as the excess you'd need to pay and how long you keep the bike for.
Is my bicycle covered under home or renters insurance?
Home insurance policies will often cover your bike when in the home as standard, though you may have to pay extra for this to be extended to outside the home. Check your policy carefully to determine if this is the case. If your bike is protected, it will likely only be up to a certain value.
So you need to decide whether that's enough or whether to extend that cover by bolstering your home insurance, or whether to buy a specialist bicycle insurance policy. If you rarely lose or damage things, and you'd get little after a claim and paying the excess, you've less need. If your bike is worth £1,000s, consider specialist cover as home insurance probably won't protect it.
If you choose to pay extra, we've best-buy tips in the section below.
Yet to buy a bike? Use a credit card to get extra purchase protection
Many credit cards offer a purchase protection system, meaning if you buy goods on the card and they're lost or stolen within a set time – usually about 90 days – you can get the money back from the credit card company.
So use the card in your wallet that gives the best level of protection (or get a new one; see our Best 0% credit cards guide), though if you fail to pay the balance off in full at the end of the month you'll pay interest.
Just by paying on credit card you'll get protection under Section 75 of the Consumer Credit Act. This is far from a substitute for insurance but means if the bike's damaged when you get it, or you order and pay for it and it never arrives, and the retailer won't help, the card firm has to give you your money back.
Martin's bike theft purchase protection tale:
A few years ago, I had my month-old bike stolen. So having been to buy a new one to get to work, I cycled to the police station to get a crime number so I could claim on my purchase protection. This second bike, which was chained to the cop shop railings and D-locked round the wheels, was stolen too. So I walked straight back inside, reported that too – and thankfully it paid out twice.
What does bicycle insurance cover?
Specialist policies are largely targeted at serious cycling enthusiasts who race competitively and often spend four-figure sums on their bikes. Costs differ based on your bike's value and the type of cover, but our top picks for a £3,000 bike are between £100 and £300 a year.
As well as covering expensive cycles, specialist insurance covers lost race fees and cycle clothing, which can be expensive. As standard, most standard policies will cover ...
Theft of the bike. You're covered anywhere in the UK, though only some policies extend to Europe or worldwide.
Accidental damage to the bike. This could be due to an accident while riding on the road and the bike will need a repair, or replacement parts.
Accessories that are part of the bike itself. For example, where you don't detach the light.
If this doesn't quite meet your needs, mid-range/premium policies tend to include, as standard...
A personal accident cover. If you're seriously injured or killed while riding, where a pay-out is usually made.
Cover for third-party incidents. If you cause an accident or hurt somebody, and face legal action.
Accessories that are not part of the bike. For example, lights that clip on and off, locks and bike clothing.
Roadside assistance. If your bike breaks or you're in an accident and need help with repairs or getting to your destination.
Damage while in an official race. Or lost race fees if you can't compete.
Most policies will only cover the bike if in the possession of the person named on the policy at the point of the incident.
Wear and tear and the excess can limit how much you can claim
If you are ever unfortunate, and needed to claim on the policy, an excess usually applies and which you will need to pay and this could be in addition to other costs.
For example, firstly, the insurer will deduct an excess (often £50-£100) and secondly, it will deduct an amount for 'depreciation' that takes into account wear and tear on the bike but this does depend on the age of the bike.
The depreciation usually takes effect after two or three years of the cycles age, but can be as low as a year-old with some insurers. The insurer can deduct as much as 20% for a three- to five-year-old bike, 30% up to seven years old, 40% up to 10 years and 50% above. So you may only get £1,600 back (before deducting the excess) on a five-year-old bike worth £2,000.
Where do I get a new bike or repair from?
Various insurers treat this differently. Some make you go to one of their approved retailers and pay the cost (minus the two elements above) directly with the repairer or shop. Others do the same, but let you go to any shop you choose, though they first need to approve the cost before the claim is approved. In the latter case you have to pay for it and claim the money back.
My bike's vital for me to get around – can I get a replacement while mine gets repaired?
Some bike policies will cover the cost of hiring another bike, as standard or as an optional extra, while yours is repaired. If yours covers this, call your insurer which'll sort out a replacement bike but only up to a set amount, such as £250 for example.
Alternatively, you could also use this amount towards reasonable use of public transport while you are waiting for your bike to be repaired (or a replacement arranged).
I've a custom-made bike worth thousands (I'm very committed) – can I still get cover?
Yes. Specialist bike insurers will usually have policies for cycling aficionados with custom-made bicycles. Insurers will vary the top value bike they're willing to insure – however, you shouldn't have any problems if it's worth £10,000 or thereabouts. But remember to keep all your receipts for work carried out and parts purchased. The insurers usually want to see these.
Bicycle insurance need-to-knows
There is more than one way to get insurance for your bicycle, and this can be via your home insurance or via dedicated cycle policy. You can also go without, and hope for the best. These 'need-to-knows' should help you decide...
You may be able to insure your bike cheaply under your contents insurance...
Many insurers cover bicycles as standard under a contents, or home and contents, policy (see our Home insurance guide to get cheap cover), so you may already have cover without knowing it. Check your policy documents to find out.
In general, you'll have one of two different types of cover. A basic home contents insurance policy covers possessions (eg, bikes, laptops, jewellery) if stolen or damaged at home. Pricier 'all risks' cover protects possessions away from home.
Here's a table showing what you're covered for under the two types of home contents insurance...
PROBLEM | HOME-ONLY COVER | 'ALL-RISKS' AWAY FROM HOME COVER |
|---|---|---|
Theft of bike | In home only | Anywhere |
Bike damage while stationary, eg, from fire, flood | In home only | Anywhere |
Damage to bike while riding, regardless who is at fault (i) | No cover | Anywhere |
Injury to yourself while riding, regardless who is at fault (i) | No cover | No cover |
Liability if you injure someone/damage property while riding your bike | Depends, so check | Depends, so check |
Accident, damage or theft during a competitive race | No cover | No cover |
Theft cover only if you take "reasonable" care of your bike. (i) You won't be covered if you break the law while riding, such as skipping a red light or you're cycling while drunk.
If you want to extend cover to outside your home, some insurers let you buy an add-on just for your bike (at £10-£100 a year for a £1,000 bike). Others only sell add-ons that cover items that you take out the home, including valuables up to a limit, though costs vary depending on the value of your contents you want to take out of the home.
See our Home insurance or Home insurance add-ons guide for much more on what it covers.
Home insurers may not cover expensive bikes
Insurers have limits on the value of an individual item they'll cover regardless of whether the cover is for in your home only or anywhere away from you home – and sometimes bike limits are different from other items' limits.
Some bike limits usually go up to £1,500 (and can occasionally go beyond) but we've seen them as low as £350. So in the latter case, if you bought a £400 bike you're not covered unless you pay an additional premium.
...but, contents insurance may not be the best way to insure it
It is important to know of two deciding factors you may face if relying solely on home contents insurance. A home contents policy may still be adequate for many but do arm yourself with the info below before making a decision.
The excess could mean you get nothing from a claim – a problem with cheap bikes
Where your bike is covered on a contents policy, the home contents excess (the amount you pay towards the claim) can vary wildly, with £100ish being typical, but sometimes going up to £500. If just your bike's stolen, and it's worth less than the excess, you'll get nothing from a claim.
If your bike is damaged or stolen as part of a bigger theft or fire incident, the excess usually applies per claim so won't change and usually have just one excess for the overall claim.
Claiming could push up your future home contents costs
It could also mean higher prices for up to five years following the claim. This is because home insurers will ask you if you've made a claim during a set number of years, and if you have, they'll consider you a higher risk which does usually push up prices. You'd also lose any no claims discount too.
When you get to renewal on your home insurance, use our home insurance cost-cutting system to slash the price you pay whether you've claimed on it or not.
Keep your bike safe or you could be refused an insurance payout
Forget insurance for a minute: you should do all you can to keep your bicycle as safe as possible. If you don't do this, your policy may not even pay out if something happened so that's a double reason to play it safe.
Here are some key tips to keep your bike out of reach of thieves, while also ensuring you don't invalidate any claim if a criminal gets past your defences.
Quick bike security tips
Leave your bike in a communal area? It usually MUST be locked to a secure structure
Your claim could be refused if your bike's not locked to an immovable object such as a specialist bike rack or a radiator or pipe (though be careful not to tie it to anything fragile or dangerous) if kept in a shared area, such as a communal hallway, garage, bike store, bike shed, garden or courtyard, even if behind a locked door.
And try not to make it visible to the outside world, eg through a window. Some insurers do not like that.
If your building doesn't have a locked gate or fence between your bike and the outside world, you're likely to have a problem if you have a bicycle insurance policy and it's stolen (even if locked to something immovable), as these policies may state it can only be left there for a maximum of 12 hours (or sometimes 24 hours).
You may need to keep it locked up even if it's in your own shed or garage
This varies by insurer, though it's still a safer bet to lock it up. You usually won't need to lock a bicycle kept inside your locked home, however.
Got specialist bicycle insurance policy? Very likely you'll need an approved lock, and keep its receipt safe
Home insurance policies usually just insist your bike is secure, meaning you can use any working lock.
Specialist policies are more stringent given you're usually insuring expensive bikes. Most will insist, as part of the policy requirements, you have a particular lock according to your bike's value.
Most use the bike lock 'ratings' system known as Sold Secure that rates the strength of bicycle locks as bronze (for bikes costing up to £250), silver (bikes costing £251 to £1,500) or gold (bikes costing more than £1,500).
It's run by the Master Locksmiths Association and displays a list of bike locks recognised by insurers. But be prepared to scroll a long way down; it does also include a lot of giant locks.
Generally, a bronze-approved lock will start from £20, silver from £25 and gold from £35, though competition between retailers means you should be able to compare prices and save. Always hold onto the receipt because many insurers will want to see proof you had a suitable lock, if your bike (and the lock) is stolen.
You're only covered for theft or damage to a bike left in the open or at work for a max 12 or 24 hours
Be careful if you leave your bike at a station, public cycle rail or just chained to a lamppost, as if it's there for too long and stolen, insurers may not pay out. Limits vary by insurer, so check, but are usually a max 12 or 24 hours.
This can also apply to a bike left at work if there wasn't effective security in place. Under home insurance, this time limit usually doesn't apply unless your bike's worth thousands of pounds as a high-value item you've specifically had to list.
Register your bike to help find it if it's stolen
You can register your bike on the Bike Register – National Cycle Database for free. This will essentially give your bike its own unique number to help police recover it if it's stolen. You can also buy security kits to mark your bike with its unique number and get stickers to warn thieves that the bike is registered.
Police stations across the UK offer free marking events so it's worth keeping an eye out for those. Dates differ depending on where you are in the country, but you can check your local police force's website to find out more. You may also spot a pop-up marketing event at your train station.
Will incidents on my bike affect my car insurance if it was my fault?
No. A claim on your bicycle insurance won't have any impact on your car insurance. However, it's worth remembering that if an incident involves you breaking the law while on your bike, your insurer can refuse to pay any claims. So if you skip a red light and get hit, your insurer will probably refuse to fix your damaged bike and won't pay out anything you may have been due under the personal accident, or liability, part of the policy.
You can get electric bike insurance, but there are a few things to look out for
Electric bikes or e-bikes (with pedals), or an EAPC (electrically-assisted pedal cycles) have grown in popularity and usually cost significantly more to buy than regular pedal-powered bikes.
Unfortunately, this does mean that not all 'standard' cycle insurers or home insurers will cover them - so a bit more work is involved to get the right policy that will cover you for theft, damage and third-party liability.
Quick questions
When is an electric bike not an electric bike?
Laws are in place to avoid rules being manipulated, or broken, but as a general rule of thumb:
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The electric bike must have a maximum speed of 25 km/h (15.5 mph) provided by the electric motor.
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The bike must have fully operational pedals, ie: which allow you to pedal the bike when needed.
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The rider must be at least 14 years old.
On top of this, whether you live in England, Scotland, Wales or Northern Ireland, there is no requirement you must insure the the electric bike, or get special insurance but do remember - just like riding a pedal bike - you will still need to comply with the road safety laws, such as using lights when it's dark, and complying with traffic lights and other signals.
What insurance should I consider?
Buying insurance for an e-bike is not really much different to buying a standard bicycle policy. Many policies will still give theft and accidental damage cover for the bike (but don't expect to get cover for racing).
Something to consider when buying a policy is to check if you get public liability cover. This insurance cover would give you protection in case you injure someone, or damage property, while riding your electric bike. Without it, you could be held personally responsible if someone chooses to sue you for injury or damage.
Usually, home insurance policies won't give you this liability protection if your bike is electric or motor propelled.
But, the insurers listed in our top picks do give quotes for electric bikes and will include public liability insurance as part of the policy - whether this is as standard or as an optional extension - so are worth try. Remember to follow each step in our how to buy bicycle insurance guide.
How to buy bicycle insurance
So now you know the basics of bicycle insurance, here are the steps you need to follow to ensure you find the best possible cover for the best possible price.
Step 1: Get quotes from your home insurer
Almost all insurance policies cover cheap and mid-range bikes in your home anyway (though check before assuming you're covered), so the question for most is whether to pay extra to cover your bike outside your home.
If that's your choice, here are the two steps to take.
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Firstly. Find out how much it costs to cover your bike outside your home on your home contents policy, and don't forget to check what the excess is if you needed to claim. Depending on your insurer, the add-on can just cover your bike or all valuables outside your home (incl a bike, laptop, jewellery, handbag and more).
The cost of adding cover for all valuables can vary massively depending on what you want to cover, from £10 to £100s. Just adding a bike can usually be much cheaper, from £10 to £100 for a £1,000 bike.
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Then ... get a quote for a new home insurance policy altogether. You may need to do this if your bike is too expensive for your current insurer, if your insurance becomes expensive once you've added the bike, or if it may have been expensive to start with. See our full home insurance cost-cutting system to find out how to get a better deal.
Once you know the cost of a cheap new policy or extending your current one, choose the best of the two, then you can use it as a price benchmark to compare it to the costs below.
Step 2: Get quotes from comparison sites
If you are looking for a bicycle insurance policy, a good way to get a benchmark price for cheap insurance is to have a look through some comparison sites.
Comparison sites zip your details to a number of insurer and broker websites to find the cheapest quotes.
These may not be for everyone, and have been known to list some insurers we do not recommend you use. Once you've got an idea of the kind of price and cover you can get, have a look at our best buys below from verified insurers.
For a wide selection of insurers, try these three comparison sites (listed in alphabetical order):
CycleInsurance offers a smaller choice of insurers, but allows you to easily select add-ons and levels of cover.
Protect Your Family* lists a wide range of insurers and allows you to rank quotes by annual and monthly price.
Quotezone* lists a wide range of insurers, plus you get access to Rewards+ within 60 days after buying a policy (includes discounts and offers at 1000s of UK retailers). You will have to set up a password at quotation point.
Please give us feedback on these comparison sites, and let us know if they worked for you.
Step 3: Still having trouble getting the right cover? Try a specialist.
If a comparison site doesn't work for you or you're still unable to find cover you are looking for, the next step is to try a specialist which are not always listed on comparison sites.
We've picked policies with low-ish excesses and we've tried to balance getting the cheapest deal with policies that actually provide decent cover (eg, many below provide cover while racing, which is popular among enthusiasts).
Our top picks are based on bikes worth up to £500, £1,500 and £3,000 for owners based in London. The prices should apply to much of the UK, though there may be some regional variation so it's worth checking.
How did we list them?
We reviewed the cover (and exclusions) on standalone bicycle insurance policies but as there is a lot of variation with what you are provided as standard, and add-ons available as an optional extra, we have listed in price order.
It is worth knowing that when selecting a policy, factor in if:
- The excess amount is affordable.
- You have an approved lock. If not, see if it is cheaper to try another provider without the need (and cost) of upgrading the lock.
We have also created a 'best of the rest' list if you would like to try more insurers.
Top picks for cycles worth up to £500
The prices below are for bikes worth £500, so the top of this price range. If yours is worth less, the premium will likely be lower.
Policy | Price/yr | Excess | Lock Required | Public Liability as Standard |
|---|---|---|---|---|
£20.22 | £50 | Silver | Optional | |
Sundays* | £31.56 | £25 (1) | Silver | Optional |
£33.60 | £50 | Gold | Yes | |
£35.25 (2) | £50 | Silver | Optional | |
£37.83 | 5% or £50 | Bronze | Yes |
Correct as of March 2026.
(1) MSE blagged reduced excess if you use the code MSE20, £50 without. This will not appear on your policy document, but will be applied if/when you claim.
(2) Premium includes MSE blagged discount of 10%
Top picks for bicycles worth between £501 and £1,500
The prices below are for bikes worth £1,500, so the top of this price range. If yours is worth less, the premium will likely be lower. Of those we list, only Velosure offers personal accident cover and public liability cover (£2m) as standard – the others all offer these as optional add-ons.
Policy | Price/yr | Excess | Lock Required | Public Liability | Legal Fees |
|---|---|---|---|---|---|
Sundays* | £64.80 | £25 (1) | Silver | Optional | Optional |
£66.71 | £75 | Gold | Optional | Optional | |
£74.61 | 10% | Gold | Optional | Optional | |
£88.50 (2) | £75 | Gold | Yes | Yes | |
£116.28 | £75 (or 5%) | Bronze | Yes | Optional |
Correct as of March 2026.
(1) MSE blagged reduced excess if you use the code MSE20, £50 without. This will not appear on your policy document, but will be applied if/when you claim.
(2) Premium includes an MSE blagged discount of 20%.
Top picks for bicycles worth between £1,501 and £3,000
We ran the quotes for cycles worth £3,000, so if yours is worth less, it's likely the annual premium will be lower.
Policy | Price/yr | Excess | Lock Required | Public Liability | Legal Fees |
|---|---|---|---|---|---|
Sundays* | £106.56 | £25 (1) | Gold | Optional | Optional |
£125.14 | £100 | Gold | Optional | Optional | |
£127.11 | £50 or 10% | Gold | Optional | Optional | |
£165.96 (2) | £100 | Gold | Optional | Optional | |
£179.87 (3) | £100 | Gold | Yes | Yes |
Correct as of March 2026.
(1) MSE blagged reduced excess if you use the code MSE20, £50 without. This will not appear on your policy document, but will be applied if/when you claim.
(2) Premium includes an MSE blagged discount of 10%.
(3) Premium includes an MSE blagged discount of 20%.
Best of the rest – insurers who didn't make it but are still worth considering
We checked many policies to whittle down the list above and these providers should work for most, but not for everyone. Policies that didn't make the cut aren't necessarily bad value but may have a high excess, or a requirement for a more expensive lock, for example.
Where they may not be best is if you don't fit what insurers consider to be 'standard'. This can include:
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If you've made a previous bike insurance claim.
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If you live in an area where prices are higher than those listed above.
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If you want cover for a long trip overseas.
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If you have a disability which means you won't get the same level of cover as above.
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If you want a policy which includes racing.
Here are a couple of more insurers to try but carefully check the terms such as excess, lock requirements, limits if stored in a communal area and anything else important to you before buying.
If that doesn't help, you could try a broker, via the British Insurance Brokers' Association broker search, though be aware not all will be specialists in bicycle insurance.
Step 4: Check special deals
Next, see if these special deals can beat your cheapest quote. These all appear in our best buys tables but if you didn't try them already, it is worth a go to see if it is right for you.
Cycler Cycle Insurance – Get 20% discount via code*
Buy a new policy via this MSE Blagged Cycler* link, using the code MSE20, and you'll get 20% off the premium for as long as you renew. Plus, if you refer a friend to Cycler and they take out a policy using your referral code (they will give you this if you buy a policy), you get £25 and they get £25 off their premium.
Sundays Cycle Insurance – Get 20% discount & reduced excess via code*
Buy a new policy via this MSE Blagged Sundays Insurance* link, using the code MSE20, and you'll get 20% off the premium, and a reduced excess of £25 for the first year.
You'll get the option to select a variety of optional extras, such as liability, cover for accessories and much more.
Eversure Cycle Insurance – 15% discount code*
Buy a new policy, via this MSE Blagged Eversure* link and you'll get 15% off the annual premium. It also allows you to choose a variety of optional extras, and whether you will be using the cycle for commuting or competitive purposes.
How to claim on your bike insurance
Claiming on your bike insurance shouldn't be daunting and – if you understand the terms and excesses on your policy – you shouldn't be in for any nasty shocks. Follow these three simple steps in the event you need to claim.
If it's a theft, notify the police quickly
If your bike's stolen, you'll need to get a crime reference number to make a successful claim on a home or specialist policy. Report the incident to the police as soon as you can – you often have to do it within 24 hours – to make sure your claim doesn't hit the skids.
Submit your claim as soon as possible
Contact your insurer as soon as you can to avoid any administrative hold-ups; if it's a complex claim, it may take a while to be processed, so the sooner you start the better.
Keep your receipts
If you're claiming for accessories as well as for a bike, you'll need the receipts as proof of loss. For those who buy all their accessories at the same time they buy the bike, this won't be a problem. But if you buy them over a short period from various retailers, make sure you hold on to the receipts.
How to complain about your insurance provider
The insurance industry doesn't have the best customer-service reputation and while a provider may be good for some, it can be hell for others. Common problems include claims either not being paid out on time or at all, unfair charges, or exclusions being hidden in small print. It's always worth trying to call your provider first, but, if not, then…
You can use free complaints tool Resolver. The tool helps you manage your complaint, and if the company doesn't play ball, it also helps you escalate your complaint to the free Financial Ombudsman Service.
Want to learn more? Check out: MoneySaving tips for cyclists | Cheap contents insurance | Cheap motorbike insurance
Or, see all our insurance guides.
Bicycle insurance FAQs
Do I need separate insurance for my electric bike (e-bike)?
You don't need separate insurance, but when you fill in your details to get a quote on a bicycle insurance provider's website, they will ask you the make and model of the bike you intend to insure. Electric bikes will either appear as one of the options or you should stipulate there that the bike is an electric one.
Is roadside assistance included in bicycle insurance?
This depends on the insurer. Occasionally roadside assistance comes as standard, but more often than not it's an optional added extra which will increase the price of your premium if you choose it. Many insurers now provide the option for this service.
Can I insure my bicycle accessories?
Yes. Your standard bicycle insurance policy will typically cover any accessories fixed to the bike, such as fixed lights. Cover for temporary or fitted accessories such as clip-on lights are usually an optional extra, that may increase the price of your premium.
Are there any discounts on multi-bike insurance policies?
This does vary from provider to provider but many are now offering discounts if you insure multiple bikes on the same policy, or with the same insurer.
Does bicycle insurance cover accidents abroad?
This depends on your policy, and if it is provided as standard or whether you have need to add the cover as an extension to the policy. Usually, it's more likely that you'll have to choose an additional worldwide cover add-on to get cover abroad.
If the main reason for your trip abroad is cycling, do visit our Travel Insurance guide to ensure you have travel insurance. And depending on the type of cycling holiday you are having, check the cover meets your needs, ie; if it is for racing or a competition, you may need to get specialist travel insurance policy.
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