World record holder and solo adventurer Sarah Outen has set off on a two and a half year journey to kayak, cycle and row around the world, protected by a £1.25 million insurance policy - one of the most complex policies written at Lloyd's in the last 25 years.
Sarah will kayak from Tower Bridge down the Thames and across the Channel. She will then cycle through France, Belgium, Germany, Czech Republic, Poland, Ukraine, Russia, Kazakhstan, China and back into Russia before kayaking to Japan. From there she will row across the North Pacific to cycle from Vancouver to New York. In the final leg, she will row across the North Atlantic back to London. Sarah’s dangerous journey gave Lloyd's underwriters the unusual task of valuing a person enduring a physical and mental battle for an exceptional length of time.
Jonathan Thomas, the Lloyd's underwriter at Watkins syndicate who designed the policy, says, "Sarah has presented one of the most challenging underwriting propositions of any person I have quoted for personal accident and medical expenses cover. She is possessed of incredible levels of mental and physical resilience, but this trip is over years not months and her Pacific and Atlantic solo rows will be preceded by long periods of cycling across continents alone, often on uncertain rations. Accordingly, one of the many elements of risk I have had to consider is whether the muscle wasting that will happen while she is cycling will leave her able to row those oceans safely."