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Does Your Travel Insurance Actually Cover Cycling?
By Will Leedham
10.05.22 at 10:00 am
BICYCLE HOLIDAYS and races abroad ARE AMAZING…
…until you discover your travel insurance doesn’t actually cover cycling.
We can look at HSBC’s travel policy as a fairly typical example of a high street travel insurance policy. It comes free with some of their bank accounts, and a lot of our customers have one of these policies. But there are big gaps for cycling.
The HSBC policy offers no cover if you are “training for, or taking part in any race, time trial or organised sporting competition,” which means if you were taking part in a triathlon, or even just a training camp, you would be exposed.
Excluded activities in the policy wording include “endurance events” which could mean you are not insured while taking part in longer sportives or charity rides, along with “adventure racing, endurance events, marathon, ultramarathon [and] multi-discipline events”. While an afternoon’s ride on a mountain bike would be covered, any trail not “graded as easy or moderate” would be excluded too.
If you were to injure yourself while doing any of these activities, the travel insurance would not cover your emergency medical costs, or the costs of getting you home.
We’re not trying to single out any particular travel insurance provider. All of these exclusions are typical of a high street travel insurance policy, and come up again and again. These restrictions are not intended as “small print” to get out of claims, nor are any of these companies trying to trick you into buying something that doesn’t fit your requirements; these policies just haven’t been designed with cycling holidays or racing in mind.
The truth is that cycling as a sport is a niche hobby, and just like if you were going on a ski holiday, you need a specialist travel insurance if you want to do it abroad.
MAKE SURE YOU’RE COVERED
Our advice: don’t assume your travel insurance covers cycling. The last thing you want is to end up with is a €10,000+ medical bill because your policy didn’t cover mountain biking in Morzine or racing a triathlon in Mallorca.
Before you set off, double check your insurance documents. If it isn’t clear in the policy wording, give your insurer a call and ask these questions:
- Am I covered when cycling is the primary purpose of my trip?
- Does the insurer differentiate types of cycling and is my chosen style covered?
- Do I have to buy an ‘add on’ for cycling in addition to the policy I already have?
- How are sportives classified? Are they a ride or a race?
- If racing, are there maximum distances or durations?
Are you covered?
If you’ve double-checked your policy and you have the cover you need, there’s no reason to swap. We hope you have a brilliant time.
If you don’t have the appropriate cover, you’ll be glad to know our cycle travel insurance covers all forms of riding abroad, be it a family holiday, charity cycle ride, MTB adventure or competitive race.
Our short-term and annual multi-trip cycle travel insurance policies come with all the benefits you’d expect from travel insurance, including cover for trip cancellation, repatriation and medical expenses. Plus, you get cycle-specific perks like race fee cancellation, emergency cycle hire and public liability included as standard.
Most importantly, you are covered for up to £10 million in medical expenses and repatriation if you injure yourself while cycling abroad. Ironman, downhill mountain biking, endurance bike-packing, the lot.
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The HSBC policy was accessed and all information was verified as correct on 10/05/2022
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More about CRITICAL ILLNESS COVER.
- About HSBC income cover
HSBC also sells what they refer to as ‘income cover’, their version of income protection insurance. This a policy designed to protect you financially if you cannot work for 4 or more weeks (due to injury/illness). HSBC income protection will cover 50% of your usual income (up to a maximum of £50,000).
There are a couple of options available:
Short term income protection – HSBC will pay out for up to 2 years from the point of claim.
Long term income protection – HSBC will pay out until the end of the policy or when you can return to work.
Deferred period options – You can delay the start of your claim payments for 4, 8, 13, 26 or 52 weeks. If you can afford a longer deferred period, this can usually help reduce the cost of your policy.
You will also have rehabilitation benefit included with your policy as standard. This can be used to top up your income if reducing your working hours (due to serious illness or injury).
More about INCOME PROTECTION.
- HSBC life insurance customer service contact number
If you need to speak to HSBC about your life insurance policy there are a few ways to do this. You can:
Telephone – 0333 207 5563
Email – [email protected]
Opening times – 9.00am – 5.30pm Monday to Friday (excludes Public Holidays)
Write to HSBC Customer Service :
Customer Services Centre HSBC Life (UK) Limited,
PO BOX 1053,
You can also log into HSBC Access Life Insurance online, which allows you to:
- Check policy details, terms and conditions
- Update your contact details
- Manage your policy, change or cancel your cover
- Find out more about writing your policy into trust
- HSBC life insurance complaints
If you’re not happy with your HSBC insurance policy, you are entitled to make a complaint. HSBC will try their best to resolve your complaint within a reasonable time. They aim to respond to an initial complaint within 5 working days.
HSBC life insurance complaints process
When submitting a complaint, you will be asked for a few basic details:
- Your name and address
- Your policy number
- Your email address, phone number and preferred time to contact you
- Information about your complaint (as detailed as possible)
HSBC life insurance contact numbers (complaints)
You can submit your complaint in the following ways:
More information – HSBC – How to complain
Financial Ombudsman Service
The Financial Ombudsman Service (FOS) is an independent service protecting financial services customers in the UK. If you are unhappy with the outcome of a complaint with HSBC, you can contact the FOS to take it further.
They can help mediate any disputes between yourself and HSBC. They can even award compensation, if they feel you have lost money unfairly because of HSBC life insurance.
Telephone – 0800 023 4567 (or 0300 123 9123)
Telephone (outside the UK) – 0207 964 0500
Email – [email protected]
Find out more – Financial Ombudsman Service – Complaints we can help with
- HSBC life insurance trust
Trusts can be an effective and useful way to have greater control over the benefit from your life insurance policy. You can specify who receives the money from your policy and help them to avoid inheritance taxes (IHT) and probate. If you wish to you can specify how the funds are used as well.
HSBC allows you to write your life insurance policy into trust, with a few different options available.
Benefits of HSBC trusts
- Cheaper than a Will (usually free)
- Express your wishes on your life insurance pay out (e.g. beneficiaries and trustees)
- Avoid probate (pays out more quickly)
- Can also help to avoid Inheritance Tax liability (Learn more in our Life Insurance and Tax guide)
Types of HSBC trusts
- HSBC Gift Trusts
- HSBC Discounted Gift Trusts
- HSBC Loan Trusts
More about TRUSTS.
- About HSBC life insurance claims
Insurers will have a lot of experience handling life insurance claims and will be able to do so with sensitivity and compassion. It will be an understandably difficult time when needing to claim due to bereavement or terminal illness.
HSBC’s claims team will be on hand to help and support you throughout the claims process. Below we have covered some useful things to know before starting your claim with HSBC.
How to make a claim with HSBC life insurance
If you need to claim on a HSBC life insurance policy, here is what you will need to do to start this process. Firstly, you will need to contact the HSBC claims team. You can do this in a number of ways and we have listed all the relevant contact details for you below.
Before contacting HSBC claims team
It can be useful to have certain details on hand before contacting HSBC. This will help to make the claims process as smooth and stress free as possible. HSBC will ask you for the following information/documents when starting a claim:
- Name of the policy holder
- Policy number (if possible)
- A copy of the death certificate
- Other legal documents e.g. probate
HSBC life insurance contact information (claims)
Telephone – 0333 745 6125
Email – [email protected]
Opening times – Monday to Friday 8.00am – 6.00pm (excludes Bank Holidays)
You can also begin the claim process by post, by writing to:
HSBC Life (UK) Limited
PO Box 1053
HSBC life insurance claims statistics
The latest life insurance statistics published by HSBC Life can be found below:
HSBC life insurance claims
- 39,000 families looked after (across all life protection products)
- £1.5billion paid out overall (across all life protection products)
- 24,000 life insurance claims paid out (total £735million)
- 14,750 critical illness claims paid out (total £755million)
These figures refer to the amount paid out by HSBC to support their customers since they began 1988. HSBC states these figures were accurate as of 31st December 2020.
- Benefits of HSBC life insurance
FREE accidental death benefit – You will have access to free accidental death cover for 90 days while your life insurance application is being processed by HSBC Life.
Terminal illness benefit – This is included with life insurance and critical illness cover policies. This benefit pays out on diagnosis of a serious, life limiting condition (life expectancy 12 months or less)
Guaranteed Insurability Option (GIO) – You can increase the amount you are covered for without further medical questions, following significant life events. Which events qualify will be specified in your policy documents.
FREE house purchase cover – Referred to as ‘interim’ cover on the HSBC website. This provides free cover while applying for life insurance to protect a mortgage (up to 90 days of cover)
HSBC Life Online Health Services – Provides second medical opinions to support HSBC Life customers. Critical illness customers also benefit from extra services including prescription services and remote GP consultations.
Critical illness cover – You can add critical illness cover to your life insurance to create a combined policy for extra protection (life and critical illness cover).
Critical illness cover benefits:
Total permanent disability cover – This benefit can be added to critical illness cover and pays out if you have an illness or injury that leaves you permanently incapacitated.
Separation benefit – This gives you the option to split a joint policy into two separate policies in the event of a divorce or separation.
- How to cancel your HSBC life insurance policy
There are various reasons you might choose to cancel your HSBC life insurance and any reason is valid. If you cancel within 30 days of policy start, HSBC will refund the premiums you have already paid.
HSBC life insurance cancellation contact details
You can cancel your HSBC life insurance policy either online or over the phone. You can do this by:
- Logging into your HSBC Access account and cancelling your policy in the My Policy section
- Emailing [email protected]
- By calling 0333 207 5563 and speaking to a HSBC life insurance team member
HSBC Opening times – Monday to Friday 9.00am – 5.30pm (excludes Bank Holidays)
- How much does HSBC life insurance cost?
Prices will vary no matter which insurance provider you apply to as every person is different. Various things will affect the cost of your policy including:
- Height and weight
- Smoker status
- Medical history
- Type of policy
- Term of cover
HSBC Bank life insurance may not be the best choice for anyone with a medical condition or higher BMI. If you think your medical history could cause problems with your application, it is worth speaking to an insurance expert for more advice.
Compare HSBC life insurance – £200,000 for 25 years (non-smoker)
Compare hsbc life insurance – £20,000 for 25 years (smoker).
*premiums quoted above are correct as of 02/05/2023 based on level term life insurance, with no pre-existing medical conditions
- How to buy HSBC life insurance UK
It’s always best to speak to a life insurance specialist when applying for something as important as life cover. This is especially true if you have pre-existing medical condition or a high risk job. Factors like this can affect the price you pay. It is also wise to speak to an insurance expert, so you don’t end up paying more than you need to.
To get a HSBC life insurance quote CLICK HERE and one of our team of experts will help to find the best cover for your family.
- HSBC life insurance customer reviews
Many people choose to read independent reviews before buying a life insurance policy. This helps to get a feel for what other customers experiences have been with this company. You can read HSBC Life insurance reviews on TrustPilot, with HSBC UK’s current rating below.
Trust Pilot score (HSBC UK) – 1.4 out of 5.0 stars (at 02/05/23)
Read more reviews or add one yourself here: Trust Pilot – HSBC UK
Note: It is important to keep in mind that this score relates to all HSBC products and service. This rating is not specific to HSBC life insurance products.
- HSBC Life insurance awards
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A GREAT SERVICE. Dean Nerney and his team were very professional and helpful. Sorted out insurance for me which was more difficult due to medical condition. Thank you
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World Recognized Protection For Your Valued Life And Health
Colombo, July 06th, 2021: Allianz Insurance Limited (Allianz Lanka) has entered into an agreement with HSBC Sri Lanka to offer the bank’s affluent customers two world-class insurance products with flexible 0% installment plans, namely Global Health Medical Insurance that provides high quality healthcare services worldwide, and Student Companion to provide insurance solutions for students travelling overseas for education. These new offerings are part of a 10-year exclusive bancassurance distribution agreement signed between the Allianz Group and HSBC covering key markets in Asia such as Australia, China, Indonesia, Malaysia, Taiwan and Sri Lanka.
In recent times, increases in the cost of living and unexpected medical expenses due to the pandemic, have put pressure on many customers and their families. Due to these uncertainties, customers are looking for the assurance of a safety net, which protects their loved ones, both locally and overseas. Value added services such as international family care support with access to advice from overseas doctors/international care specialists have proven to be even more valuable today for customers.
The ‘ Global Health Medical Insurance’ cover allows HSBC’s Premier customers to enjoy world-class health care with an exclusive cover ranging from US$ 800,000 to US$ 1,500,000 at a special annual premium from Allianz Insurance.
Due to the ongoing pandemic, HSBC Premier customers are covered for unexpected medical emergencies, including all necessary medical, surgical treatment and services required on the order of a physician for COVID-19 related treatment when admitted as a registered in-patient to a hospital or quarantine centers.
When traveling overseas, HSBC Premier customers are covered for hospitalization for elective treatments, medical evacuation and repatriation. Kidney dialysis, cancer treatment and more are also included, however subject to the terms and conditions of the policy. This facility is offered with 24/7 assistance and allows direct claim settlement at the Hospital.
With the pandemic still being prevalent in many countries, parents are faced with much anxiety about their children’s future, especially expenses and insurance needs when sending their children overseas on higher education. The exclusive travel insurance plan namely ‘ Student Companion’, gives parents the peace of mind that their children are protected and can stay on track to follow their dreams and achieve their goals while overseas. HSBC Premier customers can opt for a Student Companion travel insurance plan ranging from US$ 50,000 to US$ 200,000 at a special annual premium offered by Allianz Insurance. Students are covered for hospitalization, loss of baggage and passport, expenses for accident to sponsor, expenses for family visit and other incidental expenses, tuition fees in the event of hospitalization, emergency dental pain relief due to accident, with quick disbursement of claims. Pre-Trip Information Services Embassy referrals, 24-hour Medical Assistance Services, weather and exchange rate information assistance, emergency message transmission assistance, arrangement of hotel accommodation in case of an emergency and Interpreter referral, are also among the services offered.
HSBC Premier customers can enjoy the flexibility of paying their annual insurance premiums with 0% interest on installments of Rs. 30,000 and above made upfront at the Allianz Lanka Head Office and Allianz Customer Care Centre - Borella. Customers residing outside Colombo, can avail the same when they purchase policies from Allianz Lanka branch offices, using the payment link that will be emailed to them by the insurer. This is part of Allianz Lanka and HSBC Sri Lanka’s ongoing efforts to extend the convenience and security of online payments to more people around the country.
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Travel Insurance claims
If you’re not sure how coronavirus will affect your travel plans or what you’re covered for, we have answers to many of your questions on our travel guidance page.
About HSBC Travel Insurance claims
HSBC Travel Insurance is provided by Aviva Insurance Limited. Aviva manages the claims process from start to finish so that your claims are handled as quickly and efficiently as possible.
When to make an HSBC Travel Insurance claim
If your trip has been cancelled, your first step should be to contact your travel and/or accommodation provider for a refund.
If you paid any part with your debit or credit card or PayPal, you may also contact the payment provider for a refund. If you paid with an HSBC debit or credit card, here’s how you can raise a dispute .
Claiming a refund from either your travel operator or your card provider may lead to a better outcome for yourself than claiming via your travel insurance, as you may be able to claim the full amount you paid without having to pay an excess. You could also potentially recover losses for all the party members on the booking, some of whom may not have taken insurance. You can find further useful information on this topic on the MoneyHelper website.
If you’ve been unable to get a refund from your travel and/or accommodation provider or your payment provider, please contact Aviva to make a claim.
To make a claim, please contact Aviva
If you don't need urgent medical attention, you can make a claim online.
All lines open 24 hours a day, 365 days a year:
For HSBC Travel Insurance Medical emergency line: +44 (0)1603 605 128 For travel claims: +44 (0)1603 605 124
For HSBC Premier Medical emergency line: +44 (0)1603 605 135 For travel claims: +44 (0)1603 605 122
For HSBC Jade Medical emergency line: +44 (0)1603 605 102 For travel claims: +44 (0)1603 604 910
For HSBC Select and Cover Medical emergency line: +44 (0)1603 208 95 For travel claims: +44 (0)345 302 8387
For HSBC Insurance Aspects Medical emergency line: +44 (0)1603 605 142 For travel claims: +44 (0)1603 604 910
For HSBC Gold MasterCard and HSBC Platinum MasterCard Medical emergency line: +44 (0)1243 621 064 For travel claims: +44 (0)1603 605 124
What you’ll need to make a claim
- confirmation of the original booking and which parts of it are non-refundable
- evidence you’ve tried to get your money back from your travel and/or accommodation provider, plus your credit or debit card provider if you paid by card - for example, copies of emails you’ve sent and/or their replies
- details of any self-isolation advice you’ve been given by either your GP or from NHS 111
For all claims, normal policy excess, terms and conditions, exclusions and claims assessment apply.
How long will it take to process my claim?
As soon as you’ve notified Aviva of your claim, they will send you a claims pack detailing the information they need from you. To ensure your claim is handled as swiftly as possible, please follow the instructions in this pack.
After receiving your details, Aviva will assess your claim and make a payment to you within 28 days if your claim’s been successful.
If you’re having financial difficulties, please visit our financial support page for ways we can help.