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Frequently Asked Questions
- My bicycle has been stolen, would I be covered for a hire bicycle?
- I am participating in the Transcontinental Race – Would I be covered?
- Am I covered if the airline damage my bicycle?
- Can I claim for damage to my bike and other equipment and accessories that were damaged because of a crash?
- Would I be covered for personal liability whilst cycling?
- Is my cycle equipment and helmet covered under this policy?
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What makes ETA cycle travel insurance green?
Here at the ETA, we are completely carbon neutral. This means we offset all the carbon emissions our business is directly responsible for. We like to encourage our customers to offset their emissions where they can. Find out more about ETA Carbon Offsets.
We are Britain’s most ethical insurer, voted by The Good Shopping Guide for the last five years.Back to FAQs
Which countries are covered by the policy?
Europe: Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark (including Faeroe Islands), Egypt, Estonia, Finland, France, (including Corsica), Georgia, Germany, Gibraltar, Greece, (including Greek Islands), Hungary, Iceland, Ireland, Italy, (including Aeolian Islands, Sardinia, Sicily), Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway (including Jan Mayen, Svalbard Island), Poland, Portugal, (including Azores, Madeira Islands), Romania, Russia (West of the Ural Mountains), San Marino, Serbia (including Kosovo), Slovakia, Slovenia, Spain (including Balearic Islands, Canary Islands), Sweden, Switzerland, Turkey, United Kingdom, Ukraine, and Vatican City.
Worldwide including the United States of America and Canada, Bermuda, the Caribbean and Mexico.Back to FAQs
What is the maximum trip duration for ETA cycle travel insurance?
Single-trip travel insurance will cover you for up to 31 days per trip and annual multi-trip cover will cover you for up to 31 days per trip.Back to FAQs
If I no longer want my policy, do I get my money back?
If you wish to cancel your annual cycle travel insurance policy for any reason, you may do so within 14 days of taking out this policy, or the date which you received your documents if this is later, then the premium you have paid will be refunded in full unless you have already travelled or made a claim in which case, no refund will be due. This 14-day period is known as the ‘cooling off period’. If you change your mind after the 14 days cooling off period, you will not be entitled to a refund.Back to FAQs
What is an EHIC and do I need one?
The EHIC is the European Health Insurance Card, which replaced the E111 form in 2006. The EHIC entitles you to emergency medical treatment from the state-funded health service of any country in the European Economic Area (EU countries, plus Switzerland, Iceland and Norway). You will get the same level of treatment that is available to citizens of the country you are in, and a small contributory fee may be applicable. This may be claimed back on your return.
The EHIC does not entitle you to free private medical treatment. It is a condition of cover that you get an EHIC prior to travel. You can apply at your local Post Office, or online. There is no charge.Back to FAQs
What are the upper age limits of this policy?
Aged 74 or under for trips within Europe; Or aged 69 or under for all other worldwide destinations. For annual policies, the age limit applies at the start date of your policy. For single-trip policies, the age limit applies on the day you first travel.Back to FAQs
What is classed as a valuable?
A valuable means spectacle, sunglasses, contact or corneal lenses, watches, furs, jewellery, cameras, camcorders and any accessories, telecommunications, audio, visual and computer equipment or game consoles, including accessories. If you have any questions about travelling with valuables, please do give us a call on 0333 000 1234.Back to FAQs
Would I be covered if I miss my flight?
If you are delayed due to an insured event, for example, adverse weather conditions, you would be covered up to £500 for the UK and European holidays, or up to £1000 for holidays outside of Europe, if you miss your flight.Back to FAQs
If I had all my money stolen, what would be covered?
In the case of lost or stolen monies, the ETA pays out a maximum of £300, with a cash limit of £250 for adults and £50 for children. We would advise travellers to carry no more than £350 cash whilst travelling to and from the holiday destination. If staying in a hotel, we would always advise that you lock all valuables and monies in a secured safely.Back to FAQs
What happens if my baggage is delayed?
If in the case that your baggage is delayed more than 24 hours we will pay up to the sum of £125 for the purchase of immediate necessities.Back to FAQs
If my luggage is stolen, what is covered?
For personal baggage, you are covered up to £2,000. There is a limit of £300 for any one article or pair or set of articles.Back to FAQs
My bicycle has been stolen, would I be covered for a hire bicycle?
Yes. We will pay up to £250 to cover the costs of a replacement bicycle in the event that your bicycle is stolen, lost or accidentally damaged.Back to FAQs
I am participating in the Transcontinental Race – Would I be covered?
No. ETA Cycle Travel Insurance does not cover racing of any kind. We are only able to cover you whilst cycle touring.Back to FAQs
Am I covered if the airline damage my bicycle?
We will cover the repairs to your bicycle should it be damaged or pay for a replacement if lost by your airline if these costs are not met by your provider.Back to FAQs
Can I claim for damage to my bike and other equipment and accessories that were damaged because of a crash?
You can not only claim for your injuries, but also the cost of bike repair or replacement and the cost of accessories and clothing damaged in the crash. Incidentally, you can also claim the cost of any treatment required as well as help provided by family and friends while you are recovering.Back to FAQs
Would I be covered for personal liability whilst cycling?
No, personal liability is excluded while participating in sports and leisure activities.Back to FAQs
Is my cycle equipment and helmet covered under this policy?
ETA cycle travel insurance covers personal effects up to a value of £200. This includes cover any item that is efficient in the pursuit of cycling, including and limited to baskets, bells, bottles, cycle clothing, cycle computers (not including mobile phones), cycle shoes, cycle-specific cameras (helmet, frame or handlebar mounted), heart rate monitors, helmets, lights, mirrors, pannier racks and saddle bags.Back to FAQs
Are my pre-existing medical conditions covered?
This policy contains certain exclusions relating to pre-existing medical conditions. If you, or any of the people insured on the policy, have any pre-existing medical conditions, please ensure you declare them to us to ensure you are covered. We use a company called CSA Services to undertake medical screening for this policy. You can get a quote to cover your pre-existing medical conditions on 0344 573 4171.Back to FAQs
How much am I covered for medical expenses?
We cover up to £10 million for medical expenses and up to £600 for hospital benefits.Back to FAQs
Does ETA Cycle Travel Insurance cover me if I am pregnant?
Yes, however, if you are thirty weeks pregnant or over at any point during the trip, you would not be covered for any expenses arising from the pregnancy, childbirth or medical complications resulting from the pregnancy.Back to FAQs