Missing a cycling event you’ve trained for is gutting. That’s why Bikmo insurance can cover non-refundable entry fees when the unexpected gets in the way. Whether it’s a sportive, organised ride, duathlon or triathlon, here’s what you need to know about claiming back your event fees.
What is Covered?
If Cycling Event Fees cover appears on your policy schedule, you can claim for non-refundable entry fees if you’re unable to attend solely and directly because of:
- injury to or sickness of you that prevents you from cycling.
- Injury to or sickness of a family member requiring hospitalisation.
- Theft of your bike.
- Bereavement following the death of a close friend or family member.
The reason for cancelling must occur during the period of insurance and be entirely beyond your control.
Important Coverage Limits
Depending on when you purchased your policy, the following limits apply:
Policies purchased on or after 20/12/2023
You can claim for one event fee per period of insurance, up to the limit shown on your policy schedule.
Policies purchased before 20/12/2023
You can claim for one race fee per period of insurance, up to the limit shown on your policy schedule.
Excess
There’s no excess to pay when claiming specifically for cycling event fees.
What is Not Covered?
You cannot claim for event fees if:
- The event organiser refunds you.
- The event is cancelled by the organiser.
- You don’t attend due to bad weather.
- The loss is related to the financial failure of the event organiser.
- The reason for cancellation is related to a communicable disease.
How to Make a Claim
We use a simple 3-step online claims process through your Bikmo account.
1. Gather Your Evidence
To help us process your claim quickly, please provide:
- Event details: Event name, date, and your date of entry.
- Proof of payment: Confirmation of the entry fee paid and that it’s non-refundable.
- Reason for Claim: Supporting evidence for why you cannot attend, such as a medical note or crime reference number (for theft).
2. Submit Your Claim Online
- Log in to your Bikmo account.
- Go to your Active policy and select Manage Policy.
- Click Make a Claim and complete the online form.
3. Review and Settlement
Our claims team will review your submission and may contact you if we need any additional information. Please make sure you cooperate fully with any checks to avoid delays.
Good to know:
If your bike is stolen or damaged but you still plan to take part using another bike, you may also be covered for Emergency Bike Hire (up to £500) and Returning Home costs (up to £150), if these benefits are included in your policy.