Insurance

[tucker]

I wish to take out insurance for next years cycle tour in Europe, I rang the company suggested by CTC on the website, they inform me as i will be 66 next year I cant have cover for 4 months , there is a 100 day max up to 65 years old,then 50 days after 65.
Ive rung other companies and they tell me about the same, has anyone any suggestions please, apart from going uninsured.

[mjr]

Contact the age-specialist insurerers? RIAS, Saga and this Ageas deal: http://www.ageuk.org.uk/products/insura ... insurance/

[davetb]

We had the same problem with the CTC insurers; I wrote to them complaining:o)
We eventually got insurance for 40 days, could have had more through HSBC - Aviva. and we are both over 70.

So it can be done.

All the best

[davetb]

The CTC say they will take up this matter with the insurers next time they have a renewal of the terms.

My complaint really was because, as an ex mountaineer I could always get insurance through the BMC for working in the Alps, on an annual basis or monthly; you just pay more.

[Barrenfluffit]

Have you tried long stay travel insurers. Cycle touring is sometimes covered by default. No easy answer though as their all a little bit different; even down to what constitutes Europe.

[simonhill]

What do you want to insure? Bike, health, baggage, or what.

Most people who go for long periods often don't bother. It is too much hassle and too expensive.

If it is your bike, is it alreadyinsured? If not then why bother. Baggage would be tricky to claim for as it would often be classed as unattended on the bike. Camping gear can also be tricky to insure.

Have you checked your household policy, often it covers for 60 days abroad.

If it is just health then one suggestion is you take out a long term policy and then find a cheapo ticket and fly back to UK for a day. Sounds daft, but could be cheapest option.

I use insureandgo, I think they do 60 day trips any number of times in a year for over 65s and do explicitly cover cycle touring. Your baggage would also be covered but not specialist type stuff like bike or probably camping gear, etc.

Be careful with policies that have cycling or diving or sailing, etc as an included activity as there is often something in the small print that says that activities which are the main purpose of the trip are not covered.

[stephenjubb]

What do you want to insure? Bike, health, baggage, or what.

Be careful with policies that have cycling or diving or sailing, etc as an included activity as there is often something in the small print that says that activities which are the main purpose of the trip are not covered.

great advice

[randonneur]

Check the small print for Insure and GO, it specifically mention no cover for personal accidents when cycle touring, although it does cover you for cycling.!!

[simonhill]

In fairness to insureandgo its not really in the small print. They have a couple of pages of activities laid out in a table. There are a number of columns for things like third party cover, excess, extra cost. You just find your activity and read off the conditions. Clear and simple.

PS I have no connection with insureandgo, but they do sponsor Southend United so obviously a charitable organisation!