You will be covered at all times whilst on your bike including whilst racing in a road race, Triathlon or Duathlon, crit, fixed, track, CX, MTB cross country or downhill race and every other race in between!

The only exception that is you won't be covered during any races in which you are competing as a professional.

We would consider you to be competing as a professional during any race in which you earn an appearance fee for participating or are paid a salary to participate and / or any races organised by the UCI which are not specifically classified as Gran Fondo or Amateur races (see a list of their events here)

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