Travel/Bike Insurance

Travel insurance will be compulsory when embarking on this trip, especially for an event like

the Hijrah ride. It is recommended that all participants acquire comprehensive travel

insurance that specifically covers cycling activities and overseas travel.

Key Considerations:

Medical Coverage: Ensure that the travel insurance policy provides adequate medical

coverage for any injuries sustained during the ride. This includes coverage for emergency

medical treatment, hospitalisation, and repatriation in case of serious injuries.

Cycling-Specific Coverage: Verify if the insurance policy covers cycling-related accidents,

including bike-related injuries or damages. Some standard travel insurance might exclude or

have limitations on adventure sports or activities; hence, a specific clause mentioning cycling

is essential.

Trip Interruption or Cancellation: Look for coverage that includes trip interruption or

cancellation benefits. In case unforeseen circumstances arise, such as illness or emergencies

before or during the trip, this coverage helps recover non-refundable expenses.

Personal Belongings: Assess coverage for loss, theft, or damage to personal belongings like

bikes, gear, and other equipment during the travel period.

Emergency Assistance Services: Confirm if the insurance provides 24/7 emergency assistance

services. This is crucial for immediate support in case of accidents or emergencies, including

access to medical hotlines and coordination of emergency evacuation if necessary.

Policy Review and Documentation:

• Read the Fine Print: Carefully review the insurance policy documents to understand

the extent of coverage, exclusions, and limitations.

• Policy Documentation: Ensure all participants carry a copy of their travel insurance

policy, along with relevant contact information for the insurer or emergency

assistance services during the ride.

Consultation with Insurer or Broker:

If there are any uncertainties or specific inquiries regarding coverage, it is advisable to consult

the insurance provider or a professional insurance broker. They can offer guidance on

choosing the most suitable policy based on the trip's nature and requirements.

Having comprehensive travel insurance not only provides financial protection but also offers

peace of mind, allowing participants to focus on the charitable cause and the cycling

experience without unnecessary concerns about unforeseen circumstances.