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Specialist Cover for Cyclists

Get income protection cover even if you have been declined by high street insurers and set your mind at rest.

  • Peace of Mind

  • Build a policy based on YOUR needs

  • Choice from 100+ UK Insurers

  • Personal One to One service

If you’re a competitive cyclist, mountain biker, road racer or BMX rider, you already know that injury risk comes with the territory. But insurers often treat cyclists unfairly — labelling you “too risky” even if you’re highly skilled, well trained and take your safety seriously
And when they decline you, it doesn’t just feel unfair.

It leaves you with a frightening level of financial vulnerability. One fall, crash or collision could stop you working overnight, leaving your lifestyle, your family and your home exposed.

But the real issue is this:

Most insurers use outdated risk systems and automated decisions. They see “mountain biking”, “racing”, or “BMX competition” and immediately mark your application as high-risk — without understanding your discipline, your training standards, or your actual accident history. Maybe you have already seen endless exclusions to policies or even been declined outright.

If your earnings come from a mix of PAYE, coaching, sponsorship, race winnings or freelance self-employment, things get even messier. Underwriters often struggle to understand cycling income and decline cases just to be ‘safe’.

That’s where we come in

At Zeo Protect, we have access to policies from over 100 UK insurers – including specialist providers who understand cyclists. We know how to tailor a policy around your hobby, training, earnings and risk profile so it actually protects you and yours. We present your case rather than rely on rigid computer systems which may have already said no. That means your case is looked at by someone who actually understands how cycling works as a sport, not just a risk category.

Because we’re a whole-of-market, mortgage and protection broker, we have access to a wide range of specialist providers who are happy to accept all different kinds of applications.

From your first call to getting the right cover in place, you’ll get personal, one-to-one service. We’ll make the process as clear and efficient as possible.

With the right policy, you can get back to training, racing and riding — knowing your income is protected if you’re sidelined by injury or illness.

Fill in our quick enquiry form and your specialist adviser will call you for a chat to find out about your needs, your income structure and your goals and then show you the best policies available to you.

Start My Protection Search
Or call us now on 01606 531 556

Why choose us?

Because we specialise in income protection for sports and hobbies, we can offer you all sorts of benefits you won’t find elsewhere

Income Protection For Cyclists

  • Whole of Market

    Because we know the market, we know who to approach and what providers will accept your sport. Even if mainstream providers have already said no.

  • Know and Understand You

    We build a policy based on your needs and wants, not a standard plan with confusing exclusions.

  • Source The Right Cover for You

    Because we can compare options across the entire market we can source cover at a lower, fairer rate.

  • Save You Time and Stress

    We know you don’t want to tell your story over and over again to a call centre. That’s why you have one point of contact, we deal with everything from research to conversations with underwriters and seeing your application through to acceptance

How it works…

  • 1

    Get in Touch

    Complete our quick enquiry form and book a time for your first appointment call. Your adviser will call you and find out about your unique situation and what you want to achieve.

  • 2

    We find the right provider for you

    After your initial call we do the research from 1000’s deals to find the best policies for you. Your adviser will then talk you through the protection and everything that it entails.

  • 3

    We deal with the application

    Relax while we submit the application and documentation to the provider, keeping you updated every step of the way.

  • 4

    …your protection is offered!

    With the right Income Protection plan in place, you can enjoy your cycling with confidence – knowing your income, your home, and your family are protected, whatever happens.