Cycle Insurance

Here’s our guide to choosing the right insurance policy for your French cycling holiday – for you and your bike. 

Scare thieves away with a decent bike lock (or two) – it's the best insurance policy you can buy. Photo: Nir Nussbaum

Scare thieves away with a decent bike lock (or two) – it's the best insurance policy you can buy. Photo: Nir Nussbaum

Good cycle insurance policies are hard to find, especially for cyclists undertaking extended trips. Leave plenty of time to find the best policy that covers you AND your bike. Depending on your trip, it may be necessary to insure yourself and your bike and accessories separately.

Make sure you ask plenty of questions of insurance companies and read the fine print to make sure you understand the policy’s conditions, and what is and isn’t included. It’s also important to know what caveats the insurance company has put in place to avoid having to pay out in the event of a claim: using a lock not on the insurer’s approved list; not having evidence of ownership of your bike and your lock (eg a sales receipt, photographs, etc); not locking the bike to a fixed object; or not using an 'official' cycle rack at a train station can all render a policy useless.

It is also a good idea to photograph your bike and accessories prior to departure. If you opt not to wear a helmet, check that the personal liability component of any policy doesn’t require that you wear one.

Insurance for cycling in France

Here are some cycle insurance companies that may offer suitable insurance for your trip to France.

We're listing them here as general guidance only – every policy and every trip is different, so you should make sure you research the right one for you and ALWAYS read the fineprint.

For UK residents: 

Yellow Jersey Insurance, as the name suggests, offers insurance cover for cyclists. They have general insurance cover for theft as well as a dedicated travel policy for cyclists and triathletes. They offer worldwide cover as standard, and also cover trip cancellation, as well as cover if your bike is damaged while being shipped to the start of your ride. There are discounts for couples, families and groups. Yellow Jersey is endorsed by Cycling UK.

CyclePlan offers European and worldwide cover, including bike hire and breakdown assistance. It covers theft and accidents, and covers both holiday and commuter cycling. They also offer a best-price guarantee on similar policies elsewhere.

Try also Insure4Sport.

If you are a member of a cycling organisation such as Cycling UK or the London Cycling Campaign, check also what cover you get with membership.

For residents of France:

For people living in France, check what cover is offered by your home insurance and also by your bank and credit card companies.

For residents of the rest of the world (sort of):

Ireland: Cycling Ireland has an affiliate partner.

South Africa: There is CycleSure in South Africa that a cyclist recommended to us (it is a different company to the one mentioned above for the UK and Ireland. 

Australia: VeloSure has been used by our readers in the past. 

USA: The Adventure Cycling Association in the United States endorses Bike Insure

I'd be happy to include other recommendations here from readers around the world – just email me at lyn@freewheeelingfrance.com

General travel insurance

The market is much wider for travel insurance policies that cover you and your health – as opposed to that of you AND your bike – with everyone from regular insurers, banks and supermarket chains offering deals on travel insurance. It’s best to shop around and read all the fineprint to find a policy that suits you and your trip.

For shorter cycling tours and holidays, single-trip policies are usually both adequate and cheap. However multi-trip cover might work out more cost-effective if you’re planning on making return trips to see more of France by bike. Some but not all insurance companies also offer long-trip cover for people on extended cycle tours, though most cover personal health and safety only, and not that of your bike. Note that some travel insurance policies deem mountain biking to be a ‘dangerous activity’ that requires extra cover.

Firstly check your household insurance policy and whether it includes any travel-related insurance options. Your bank, credit card provider or post office may also offer suitable cover.

Again, the following are intended as guidance and starting points only, not endorsements of policies that may or may not suit your circumstances.

Yellow Jersey Insurance has cover for cyclists and triathletes travelling abroad from the UK. They cover longer trips as well as shorter trips for sportives etc. They also cover damage to your bike if you get it shipped ahead. 

If you're in the UK, try companies such as All Clear Insurance. They also have policies for Australians.

If you are in the UK and have a pre-existing medical condition, try here.

Reducing the risk of bike theft 

Prevention is, of course, your best defence against losing your bike while you are on the road. In France, there is a lot of respect for cyclists and bike theft is much less common than in many other countries. However, a decent bike lock (or two) and ensuring that you leave your bike in the safest possible place are the two most sensible means of protection.

In a city like Paris, I'm always nervous about leaving my bike chained up outside (I've often chosen to leave it at my hotel while I'm sightseeing and use a public hire bike instead). However, while cycle touring in the countryside or away from major tourist sites I've never had any problems with theft and am usually always fine leaving it chained up outside restaurants. I ALWAYS stay overnight at bike-friendly places where I know there is safe parking (we have vetted every hotel, B&B and gite on this list).

On the blog

Alpine French School

Cycle South West France

Velo Voyageur

Maps for cycling in France

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