I entered my first local Enduro race. On Stage 3, I cased a jump and cracked my rear triangle. I filed a claim with my specialty insurer, thinking I had “crash damage” coverage. They asked for the date and location of the crash. When they cross-referenced it with the race schedule, my claim was denied.
Key Takeaways
- The Competition Exclusion: Almost every insurance policy excludes damage that happens during “organized racing,” “timed events,” or “practice for a race.”
- Gran Fondos vs. Races: A charity ride or non-timed Gran Fondo is usually covered. A timed race with a podium is not.
- Buy the Add-On: Specialty insurers (Velosurance/Oyster) offer a “Racing Coverage” endorsement. It costs extra, but it’s mandatory if you compete.
- Liability in Races: If you crash into another racer, your personal liability coverage is also void. You are assuming the risk by entering.
The “Why” (High Risk Environment)
Racing pushes the bike to the limit. The likelihood of a crash is exponential compared to casual riding.
“We do not cover loss or damage arising out of… participation in or practice for any professional or amateur competitive racing or stunting event.”
The Investigation: Pay to Play
I checked how much it costs to be covered while racing.
1. Standard Policy
- Coverage: None.
2. Velosurance with “Racing” Add-on
- Coverage: Full.
- Cost: added about
5−5−8/month to the premium. - Details: Covers the bike during the race. Also covers entry fees if you get sick and can’t race (sometimes).
3. USA Cycling / Event Insurance
- Coverage: Medical Only. Most race entry fees include insurance for your medical bills (excess), but they do not cover damage to your bike.
Comparison Table
| Event Type | Standard Coverage | Racing Endorsement Coverage |
| Solo Trail Ride | Yes | Yes |
| Charity Ride (Untimed) | Yes | Yes |
| Enduro Race (Timed) | NO | YES |
| Downhill Park (Non-Race) | Yes | Yes |
Step-by-Step Action Plan
- Define “Racing”: If you are doing a Strava segment challenge, you are fine. If you paid an entry fee and have a number plate on your bars, you are racing.
- Update Your Policy: Enable the “Racing” toggle on your insurance app before the weekend. You can often turn it on for a month and turn it off later.
- Check Race Waivers: Understand that you likely waived your right to sue other racers if they crash into you.
FAQ
What if I crash during practice the day before?
The exclusion usually says “practice for.” If you are on the course with a number plate, it’s excluded.
Does this cover my jersey/helmet?
Yes, usually up to a limit ($500) if you have the proper apparel coverage added.
[IMAGE: Photo of a mountain bike with a race number plate attached to the handlebars]