Cycling Fall Insurance Tailored to Your Needs

Healthcare & Medical Fees

Our insurance provides up to €150,000 in medical cover, offering essential support after a fall or collision. Even with a high-performance Trek road bike—whether a Madone, Domane, or Émonda—accidents can cause serious physical injuries. This guarantee helps you stay protected during training rides, weekend tours, and competitive sessions.

Competition & Professional Options

For amateur cyclists aiming to improve their performance and for professional riders competing at a higher level, we offer dedicated options. These enhanced policies ensure you can ride with total confidence, whether you’re racing on the road or testing your bike’s speed and components in challenging conditions.

Disability Cover

In the event of a severe injury, our contract offers up to €200,000 per insured cyclist. This essential protection is designed for riders concerned about their long-term health and stability. It provides reassurance for anyone who regularly trains on carbon, aluminium, or electric road bikes, ensuring peace of mind across every route.

Transport & Repatriation

If an accident occurs during a ride, our insurance includes full-cost medical transport and repatriation. Whether you are exploring countryside roads, taking part in a sportive, or testing a new Trek model straight from the shop, quick assistance is vital. This guarantee ensures you receive the help you need, wherever your training or cycling trip takes you.

Why Is Cycling Fall Insurance Essential?

A fall on the road can lead to serious physical injuries and unexpected financial costs. Whether you ride a lightweight carbon Trek bike, take part in group tours, or push for higher performance on fast descents, cycling always carries a degree of risk. Every year, many cyclists rely on our specialist cover to stay protected during training sessions, long-distance rides, and competitive events. Road cycling exposes riders to unpredictable situations: sudden braking, slippery surfaces, vehicle interactions, mechanical failures, or collisions with other riders.

Even the best equipment can’t prevent every incident, which is why having dedicated insurance remains essential. Our policy is designed to support you in the event of injuries, medical expenses, transport needs, or recovery time following an accident.
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Recognised Expertise in Cycling Fall Insurance

Our insurance solutions are trusted by cyclists across the United Kingdom, from daily road riders to competitive athletes. Many customers have shared positive reviews, highlighting the peace of mind they gain from our reliable protection and responsive assistance service. Whether you ride a Trek Madone, Domane, Émonda, or any other performance bike, our cover is designed to support you during training sessions, long-distance tours, and high-level racing. We offer flexible plans with a range of options to match every rider’s needs — from intensive training programmes to leisure cycling and club events. Whatever your level, our insurance helps you stay confident on the road .

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FAQ

Cycling fall insurance provides comprehensive protection when an accident happens on the road — whether during a quick morning ride, a long weekend tour, or a high-intensity training session on your Trek road bike, such as a Madone, Domane, or Émonda. This cover is designed for cyclists at every level and includes medical expenses, emergency treatment, hospitalisation, rehabilitation sessions, X-rays, and specialist consultations.



If a fall occurs during a road race, a club event, a fast descent, or even a quiet solo ride, your policy activates instantly. It protects you whether your bike is carbon or aluminium, whether you train on flat terrain or climb mountain roads, and whether you ride for leisure or performance.



This insurance also includes essential services such as transport assistance, repatriation, and support in case of a severe impact or loss of control. For riders using high-end equipment — carbon frames, lightweight wheels, aero components, or premium Shimano and SRAM AXS groupsets — this type of personal protection is crucial. A standard travel or home policy does not cover falls during cycling activities; dedicated cycling insurance ensures you're protected every time you get on the saddle.

Yes — road cyclists who train several times per week, ride long distances, or follow structured performance plans benefit enormously from dedicated insurance. Regular training often means riding at higher speeds, pushing physiological limits, and facing traffic, unpredictable weather, or technical descents. Whether you ride a Trek Madone SLR, a Domane ALR, or a carbon Émonda, high-intensity training increases exposure to falls and collisions.



Our insurance is ideal for club cyclists, sportive riders, time-trial enthusiasts, and anyone preparing for competitive road cycling. It provides strong protection during intervals, hill repeats, winter rides, and long training sessions covering dozens or hundreds of kilometres. Riders training with power meters, carbon wheels, or aerodynamic setups rely on consistency — and insurance gives them the confidence to continue progressing.



Even if you only ride locally, regular cycling still involves daily risks: slippery roads, lost grip, mechanical failure, sudden stops, or group riding incidents. This policy guarantees peace of mind, allowing you to focus on speed, cadence, and your training programme without worrying about medical expenses in case of a fall.

Absolutely. Riders who take part in road races, criteriums, sportives, charity rides, or club competitions can activate the dedicated “Competition” option for enhanced security. This is particularly important when riding high-performance bikes like the Trek Madone Gen 7, Émonda SLR, or Domane endurance models, where speed and intensity increase the chances of impact.



The insurance applies during official events, timing chips, mass-start races, time trials, and even pre-race warm-ups. Competitive cycling often means riding in a dense peloton, braking unpredictably, cornering aggressively, and climbing at high power — all of which elevate accident risk. This extended cover ensures medical support, transport, and injury compensation are available whenever needed.



It is the ideal choice for riders aiming for peak performance, club members preparing for national events, or athletes competing in multi-day tours. Even if you travel abroad for cycling competitions, training camps, or road challenges, your protection remains active. Competitive cyclists invest heavily in their bike, gear, and conditioning — this insurance protects you, not just your equipment.

Yes — medical fees are a central benefit of cycling fall insurance. Our policy includes up to €150,000 to help cover healthcare costs after a cycling accident. This applies whether you’re on a carbon racing bike, aluminium training bike, or endurance model like the Trek Domane.



Covered expenses include:

  • Emergency medical treatment

  • Hospital stays and surgery

  • Radiology and scans

  • Physiotherapy and rehabilitation

  • Specialist consultations

  • Long-term recovery support


Road cycling involves continuous exposure to hazards: sudden braking, slippery corners, potholes, side winds, mechanical failure, or collisions with other riders. Even advanced road cyclists, equipped with the best Shimano components, tubeless tyres, or carbon handlebars, face unpredictable conditions.



With dedicated medical coverage, you avoid the financial burden of treatment and focus entirely on returning to training, racing, or long-distance touring. Whether your accident happens in the UK or abroad during a cycling holiday, your protection still applies.

Yes. If a severe crash leads to partial or total disability, the insurance provides up to €200,000 in compensation. Road cycling involves high speeds, technical descents, and demanding terrain, which can lead to serious impacts even for experienced riders using top-tier equipment like the Trek Madone SLR, Domane RSL, or Émonda race bikes.

This financial support can assist with:

  • Long-term rehabilitation

  • Lifestyle adjustments

  • Professional impacts

  • Home adaptations

  • Income support during recovery


For cyclists who ride frequently, follow intensive training plans, or compete in races, disability protection is a crucial safeguard. Even leisure riders with aluminum frames or endurance bikes benefit from long-term support if a fall has serious consequences.

Yes. Your insurance applies during national tours, club trips, or multi-day cycling holidays. Many riders travel abroad for training — climbing in Europe, riding gravel connectors, or testing endurance on new terrain. Whether you’re riding a Trek Checkpoint, Domane, or Émonda, you remain protected throughout your trip.



This includes:

  • Route-based challenges

  • Ascents and descents

  • Long solo training sessions

  • Club training camps

  • Guided road cycling tours


Training camps often involve higher intensity and unfamiliar routes, increasing the risk of falls. With insurance, you can ride confidently, knowing medical assistance and repatriation are fully handled.

Of course. Beginner cyclists often face increased risks because they lack experience with braking technique, cornering, clip-in pedals, and group riding. Whether riding a first Trek Domane AL, an entry-level Émonda ALR, or a basic aluminium road bike, falls are common during the early learning stages.



Insurance ensures you’re protected as you develop your skills, join group rides, or progress to longer distances. Even simple mistakes — misjudging a corner, losing balance, or hitting a pothole — can lead to injuries. This policy covers new riders so they can build confidence on the road.

The primary focus of cycling fall insurance is personal protection, but additional add-ons may offer support for certain accessories depending on your chosen plan. This can include:

  • Helmets

  • Cycling shoes

  • GPS devices

  • Clothing

  • Small electronic equipment


While your Trek bike, carbon wheels, or groupset are not the main focus of this policy, riders may choose additional cover for their gear separately. We can assist you in selecting the right type of protection for both your body and your equipment.

Yes. Your coverage remains valid if you cycle abroad, whether for a holiday, a European tour, or a training camp. Many road cyclists travel to popular destinations with their Trek Madone, Domane, or Émonda bikes to enjoy warmer weather and better mountain passes.



Your insurance applies during:

  • International training camps

  • Guided tours

  • Sportive events abroad

  • Cross-border road trips


European climbs, foreign road surfaces, and new environments all increase risk — so international cover is highly valuable.

The subscription process is fast and simple. You can apply online, compare available plans, and select the cover that matches your cycling habits — whether daily commuting, weekend club riding, or high-speed racing on a top-tier Trek road bike. Once your application is approved, your protection becomes active immediately.

Cycling fall insurance primarily focuses on the rider rather than the bike itself, but it also supports cyclists who train on advanced performance machines such as the Trek Madone SLR, Émonda SLR, or Domane endurance bikes. While damage to the carbon frame or components is not the core of this policy, the insurance ensures you are protected medically when pushing these fast, lightweight road bikes to their limits.



Riding high-performance carbon bikes often means riding at higher speeds, climbing more aggressively, and tackling technical descents — all of which increase the risk of falls. Whether you train with a premium Shimano Di2, SRAM AXS drivetrain, deep-section carbon wheels, aero components, or race-ready tyres, your physical safety remains the priority.



The policy guarantees full assistance after an accident, including medical transport, rehabilitation, and long-term support, so you can return to riding — and to your Trek — as soon as possible. Cyclists who invest in advanced road bikes benefit greatly from securing protection that matches the high-intensity nature of their training.

Yes. Cycling fall insurance applies whether you use your road bike for sport, commuting, or long-distance endurance challenges. Many riders alternate between fast weekend training sessions on their Trek Madone, endurance touring on a Domane, and weekday commuting on lighter ALR or hybrid models. Regardless of the purpose, falls and collisions can happen at any moment — slippery roads, traffic interactions, unexpected braking, or mechanical issues.



The insurance stays active across all types of journeys, including:

  • Daily commutes in the city

  • Long-distance touring

  • Weekend road adventures

  • Fast-paced group rides

  • Fitness training routes


This is especially valuable for riders who cycle year-round, including winter conditions and unpredictable weather that increase the risk of skids, crashes, or loss of balance. Your protection is constant, no matter the route, distance, bike model, or speed.

Yes — gravel, mixed-terrain, and light off-road riding are covered under cycling fall insurance, especially for riders using versatile models like the Trek Checkpoint ALR, Checkpoint SL, or other endurance-oriented bikes capable of handling varied surfaces.



Gravel riding often involves:

  • Loose dirt tracks

  • Forest paths

  • Uneven roads

  • Frequent vibration and impacts

  • Reduced grip on corners

  • Increased fall risk during high-speed descents


Whether you’re using wider tyres, carbon gravel forks, endurance geometry, or a bikepacking setup, falls can occur on uneven ground or unpredictable surfaces. With dedicated insurance, you remain protected during all your gravel adventures, training rides, and long-distance excursions on mixed terrain.

Yes. Benefits remain active during club rides, group training sessions, social rides, charity events, or organised cycling activities. Riding in close formation increases the chance of overlapping wheels, sudden braking, or minor errors that can cause chain-reaction crashes.



Whether you participate in:

  • Road club rides

  • Sunday morning pelotons

  • Local sportive events

  • Group training at high speed

  • Mixed-level rides with new cyclists


…you are covered.



Group riding is a key part of road cycling culture, especially for riders using high-performance Trek models like the Émonda, Madone, and Domane. Insurance ensures that one unfortunate fall does not lead to costly medical expenses. Riders benefit from reassurance while focusing on performance, pacing, drafting, and overall cycling enjoyment.

Standard travel insurance and home insurance rarely — if ever — cover injuries sustained during high-speed road cycling, competitive training, or long-distance rides. They may exclude sports-related injuries, road cycling accidents, or activities involving risk.



Cycling fall insurance is fundamentally different because it is tailored to the sport. It includes:

  • Medical expense coverage

  • Repatriation support

  • Compensation in case of disability

  • Accident support during races, tours, and training

  • Protection during road, gravel, or endurance rides


This tailored cover is essential for anyone riding serious equipment such as a carbon Trek Madone, Domane ALR, or Émonda SLR, where speed, terrain, and performance demands increase the risk of injury.



In short:

Home and travel insurance protect your belongings.

Cycling fall insurance protects you — during the sport you love.
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