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Topic: Bike trip travel insurance

Posted on: 10th Mar 2009 5:00 PM    Quote and Reply

I'm going on a month long mountain bike trip to Nepal and Tibet soon, and I'm having trouble finding good insurance that will cover the trip, and my bike, which I'm taking along.

I already have travel cover from HSBC, which is an annual multi-trip policy, however the coverage is far lower than equivalent UK policies, and won't cover the bike. The other large insurers seem to be the same.

Can anyone recommend me a specialist adventure sports insurer that they've used before? Thanks.
Freshie Forumer
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Posted on: 10th Mar 2009 8:41 PM    Quote and Reply


The important thing is medical insurance, especially if you need medi-vac due to altitude.  Do you have that covered?

Why don't you just risk the bike and your personal belongings?  You're more likely to lose your bike in Singapore, and besides, a bit of risk/adventure never hurt anybody. I've been to Tibet twice btw, but not cycling.

Senior Forumer
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Posted on: 10th Mar 2009 10:59 PM    Quote and Reply


I've got medical coverage on my existing policy, but I need to clarify whether they cover accidents arising from mountain biking.

There's no way I'm risking my bike though cos it would cost me a lot of time and money to replace it, so I'll have to find some other coverage for that. Adventure is all well and good, but not insuring valuables which are at the mercy of baggage handlers isn't the smartest way to go I think. How did you like Tibet?

Freshie Forumer
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Posted on: 11th Mar 2009 1:27 AM    Quote and Reply


i cannot offer you a solution for your bike.

however do be forewarned about definitions of "Accident" in your accident policies.

some policies say this:


 

and some say this:

find out first. i provide type 2. last thing u want, insurer tell you "not violent" and ask you to go fly kite....

'ShutterBugger'
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Posted on: 11th Mar 2009 1:30 AM    Quote and Reply


 

apologies - can't use direct URLs.

1. Accident - An event which results in a Loss to the Life Insured caused solely and directly by accidental, violent, external and visible means and independently of all other causes.

 

2. "Accident" means an unforeseen and involuntary event which causes an Injury.

I offer solution #2. Solution #1 can be contested if an incident was not violent - why leave things to chance?

'ShutterBugger'
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Posted on: 11th Mar 2009 10:00 AM    Quote and Reply


Tibet's a wonderful place.  The last time I went was via train from Chengdu, which is a great way to arrive.  The only catch is the altitude, which can really leave you out of breath.

Are you by any chance planning on taking the train?  Be careful as when the service started there was no facility for transporting bikes.  This guy I met had to courier his bike out.  I'm not sure what the situation is like now.

Senior Forumer
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Posted on: 11th Mar 2009 11:56 AM    Quote and Reply


Thanks sehsuan. I'll check that small print out, and will give HSBC a call shortly to see if I'm covered for mtbing. I'll try and get the bike covered by a UK policy I think.

I'm joining a tour group in Kathmandu, and we're flying into Lhasa and riding back to Kathmandu. No trains involved!

 

 

 

Freshie Forumer
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Posted on: 11th Mar 2009 4:30 PM    Quote and Reply


from what i remember a client who took up accident plans from HSBC, i do remember there's a clause defining accident which does requires violence.

if you need any assistance, just give me a ring or a PM.

cheers mate!

p.s. are you using any gps along the ride?

'ShutterBugger'
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Posted on: 12th Mar 2009 9:49 PM    Quote and Reply


Thanks for your advice. In the policy definitions it says this:

 "Accident shall mean a sudden unforseen and fortuitous event which shall independently of any other cause be the sole and direct cause of bodily injury

 Accidental Bodily Injury shall mean bodily injury caused solely and directly by an accident"

So this seems to meet your criteria for safely covering accidents. As to whether they cover mountain biking as an activity, I had a bit of an argument with them. The woman on the phone said that dangerous sports like mountain climbing are specifically not covered, but biking on a road is a whole different league in my opinion. She is checking with the underwriters whether MTB is covered. I said I was going to Tibet and Nepal, and she asked me if there would be any cycling in mountains...

I still need some insurance for the bike...

Freshie Forumer
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Posted on: 13th Mar 2009 12:34 AM    Quote and Reply


ah good. that definition is used once in while, probably. i clearly remember highlighting a certain hsbc accident policy to a client because it was if i remember correctly, 30+ a month for 500K cover - too good to be true. the definition unravelled itself though...

 

man, as much as i'd like to help you out for this - so far i'm afraid i dont have a clear cut answer for you yet. do share if you have luck searching for that policy - even agents from company A do buy from Z once in a while ;) 

'ShutterBugger'
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Posted on: 7th Sep 2019 9:37 PM    Quote and Reply


What about AXA insurance travel insurance here in Singapore ?
I would like to know your opinion about this policy: https://www.axa.com.sg/travel-insurance

Freshie Forumer
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