Does bike insurance cover racing and competitive cycling?

Yes. Bike Race Insure, categorized as Competitive coverage, applies to all bike rides and cycling events where participants engage in at least one competition each year. This includes triathlons, gran fondos, gravel events, criterium races, or any cycling event that requires a racing license.

This coverage includes replacement-cost value coverage for accidental damage while riding and during transit, with optional theft protection, for bicycles, trikes, and para-adaptive cycles, including all listed non-stock attached accessories and components. Coverage applies to both individual and group rides, on-road and off-road, anywhere in the world, as Bike Race Insure features international coverage.

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