You are NOT covered while racing your bicycle, only for leisure and non-event/competitive rides.

The Fast Cover travel insurance policy does not offer cover for any injuries or other losses you may sustain while racing or participating in any timed events on your bicycle.The Fast Cover policy does include cover for non-competitive sports and leisure activities including bicycling, recreational mountain biking, and bicycle tours with a licensed tour operator (but not when racing, motor cross, BMX, cross country, or downhill mountain biking).Please consider the cover options in the PDS and TMD available on the Fast Cover website.Velosure acts as a referrer for travel insurance to Fast Cover and may receive a commission.