Insurance for Professional Cyclists

What does Miller’s cycling insurance cover?

Unique coverage for Cyclists

• Coverage is aligned with Union Cycliste Internationale (UCI) contractual requirements.
• Career Ending (PTD) and Income Protection (TTD) insurance, giving riders peace of mind for their current and future earnings.
• Riders are protected with repatriation and travel cover, ensuring emergency medical evacuation and safe return home if needed.
• Bespoke coverage, tailored to a riders earnings and needs.
• Cyclists who reside in Andorra benefit from direct tax advantages, making this insurance a valuable part of their overall wealth management strategy.

Permanent total disablement (PTD)

PTD insurance protects a rider against the financial impact of a career ending injury or illness. Coverage can include:

• A tax-free, lump sum payable in the event of a claim
• 24-hour, worldwide cover
• Accidental death cover
• Cover extends to injuries or illness off the bike
• 24‑month claim notification (a claim can be made up to 24 months from the date of the original injury or illness, even if the rider has returned to competition in that time)

Temporary total disablement (TTD)

TTD insurance protects a rider against the financial impact of a temporary injury or illness. Coverage can include:

• A weekly tax-free financial benefit paid during a period of injury or illness
• A flexible deferment period based on racing schedule
• 24-hour, worldwide cover

Liability Cover

• Third Party Damage (personal injuries and property)
• Civil liability

Emergency Medical Expenses (Med Ex)

Med Ex insurance covers a rider for emergency hospital costs whilst competing  and training abroad. Coverage can include:

• Repatriation
• Emergency medical, surgical and hospital treatment