Cycling Ireland Insurance. Does it cover you abroad?

Galego

I cannot find it anywhere in the CI website.

Insurance says that cover training rides but does not mention geography so was wondering if this would cover you in any EU country (or any country).

Cheers.

Seth Brundle

I contacted CI recently about this:

I'm just trying to see if the Third Party Liability and the Personal Accident Insurance cover add-on provide cover for CI members when on club spins abroad.

I and a number of other club members will be travelling to Spain soon and I just wanted to check.

...and their response...

You are covered, but we always recommend taking out travel insurance as the limits are not great for travelling abroad

Their policy docs are at the bottom of this page. On page 10/16 of the Policy document, it says...

Where am I covered?

› You are covered in the Republic of Ireland, Northern Ireland, Great Britain, the Channel Islands or the Isle of Man.

› Temporary contracts are covered within the EU and non-manual visits anywhere in the world. 

I then tried to get "regular" travel cover and found many of them don't cover cycling activities. Those that did generally don't cover people who have cardiac issues (which I have) so left me with very few choices. In the end I went with VHI.

Galego

https://www.boards.ie/discussion/comment/119045791#Comment_119045791

Any idea what the below means?

› Temporary contracts are covered within the EU and non-manual visits anywhere in the world. 

Seth Brundle

I guess it's not my interpretation that counts. CI told me that I'd be covered abroad. If you want clarification on that quote I'd advise asking them.

Large bottle small glass

https://www2.hse.ie/services/ehic/ehic.html

I wouldn't travel in EU without that

Check out your own health insurance to if you have it.

CI insurance is a good fit for a very specific loss, (excess of 500 and a max payout of 2500 from memory) some much so its useless a lot of the time.

Mercian Pro

https://www.boards.ie/discussion/comment/119045791#Comment_119045791

It really is a bit of a minefield tryting to get cover for cycling trips abroad. Some companies only include "incidental" cycling so if you are booking in for a training camp or going on a week long charity event, that's not regarded as incidental. VHI cover cycling but with no personal accident or personal liability cover!! They also exclude mountain-biking, BMX and touring so that's not much use. I eventually went with MultiTrip.com and paid €30 extra for cycle touring/cycling holiday even though the medical excess is increased to €320, the personal accident sum is reduced by 50% and personal liability is excluded. There are some good deals from UK based firms but once you list Ireland as your home, you are immediately excluded.