is specialist insurance for triathletes really necessary?

Many triathletes (and cyclists) will be travelling abroad this year for racing and training, yet many still have no idea why they should make sure they’re insured.

Whether you are racing an Olympic distance event in Austria or simply training with a group in Mallorca, regular travel insurance is likely to be inadequate for a travelling triathlete.

From theft to liability, personal injury to repatriation to the UK - there are a number of things that may not be appealing to consider, but in reality you should be thinking about.

Essential knowledge: why you need the right cover

Don’t bank on it
Triathlon is considered an extreme sport, which means most insurance companies, your bank included, will not cover triathlon-related activity in their standard policies. This means many athletes setting off to compete are unaware that they’re not adequately covered.

It’s personal: yourself, your bike or your kit
Triathlon comes with the potential to damage either yourself, bike or your kit during racing and training, and many standard policies exclude claims made if you come off your bike whilst on a sport specific holiday. 

No more Me and EU
The truth is; an EHIC protection card is only valid if you get taken to a state hospital in Europe. Most mountain resorts only have private hospitals, and state hospitals can be few and far between in Spain and Portugal. Additionally, an EHIC protection card won’t help repatriate you to the UK

Not if, when - we all stack it
Don’t rely on protection from the event organisers insurance - as an individual participant you need to make sure you have personal liability covered in the event you cause a crash. With so many athletes taking part in any one event, the odds of being involved in an accident increase dramatically and in the eyes of the insurer, this makes you a significant risk – hence the need for dedicated insurance cover.

Some people are just plain bad
Triathlon is not a cheap sport and when you’re taking part in a major event like a triathlon, you will have to leave expensive kit and equipment unattended in a transition area. Event organisers do what they can to provide security, but there is still a significant risk and bikes and equipment do get stolen. 

If you’re entered into a triathlon abroad this summer
Don't risk participating without protecting yourself. Pro-Cycle's specialist insurance for triathletes starts from as little as £31 per trip*.

Pro-Cycle has a wealth of knowledge as a specialist insurer for individuals and groups undertaking triathlon challenges all over the world. With various levels of cover to choose from, you can be sure we’ll give you exactly what you need.


Win £25 to spend at Sigma Sport

Tweet this article and you will automatically be entered into a draw to win a £25 e-voucher.**

* *Entry is free but subject to some terms and conditions. These can be found at the bottom of this page.


Are you a multi-bike owner?

If you need to insure multiple bikes, why you will benefit from hunting out the best multi-bike insurance policy.

*example based on a 3-day trip – age between 18 – 49, and includes cover for a £2,500 bike.

**Terms and conditions for participating in the Pro-Cycle 'Click-to-Tweet' competition:

To enter, a tweet, either using the click to tweet button (which has a prewritten tweet) or self published, must be generated; the tweet should include the @ProCycle_Ins tag and a link to the URL: Multiple tweets are permitted but will only count as one entry. The competition starts 26 May 2017 and ends 8 June 2017. The competition is only open to UK residents. The prize is a £25 e-voucher to spend at, no cash alternative is available. The winner will be selected at random by a person independent of ProCycle on 9 June 2017. The winner will be announced and notified publicly via Twitter. The prize requires the winner supply Pro-Cycle with an active email address. If the winner has not provided this within 7 days of being notified, a new winner will be selected. The winner will receive their prize within 30 days of being informed.