Downhill Mountain Biking Insurance
Cover for mountain bike equipment & events
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Cover for mountain bike equipment
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Emergency medical cover & repatriation cover
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MTB race & competition cover
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Recognised for our specialist approach
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Exceptional-rated cover from thousands of active travellers.
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underwritten by a leading insurer.
What does downhill mountain biking insurance cover?
Our downhill mountain biking travel insurance is built for technical trail riding abroad. Designed for higher-risk terrain and faster speeds, it can protect you on steeper, more remote and challenging routes where standard travel insurance often won’t suffice.
A solid downhill mountain biking policy including emergency medical treatment & repatriation, trip cancellation or curtailment, bike & equipment cover, event or lift pass fees, search & rescue (where applicable), and travel disruption.
Already have travel insurance but it excludes downhill mountain biking? Add our bolt-on for the days you ride.
Our policies provide three different types of cover: Sports travel insurance, Sports accident, and Activity Top-Up. Please ensure you select the most suitable cover for your activity, when you get a quote and always review your policy documents.
Sports equipment is excluded under our bolt‑on cover.
Only a summary of the policy’s coverage is presented on this page. Please refer to policy documents for full details of what is and what is not covered, when you get a quote.
How much does Downhill Mountain Biking Insurance cost?
Downhill mountain biking comes with real risk and injuries abroad can be costly. Emergency treatment, evacuation from the mountains, or repatriation can quickly run into thousands, making specialist protection essential before you travel.
The cost of your policy will depend on factors such as your age, destination, trip length, the type of riding you’re planning (from lift-assisted downhill to multi-day bikepacking in remote terrain), the level of cover you select, the value of your bike and equipment, and any medical conditions you declare.
Review our policy example and get a quote tailored to your mountain biking adventure.
Quote example
£29.07**
Example quote is based on:
- Sport Selected Mountain Biking (Cross Country)
- Sports Group Group 5
- Package Bronze
- Policy Single Trip Travel Policy
- Duration 2 days
- Destination Europe
- Emergency Medical Treatment £10,000,000
- Sports Equipment Cover £200
- Search & rescue £15,000
- See more benefits when you get a quote
**This example is based on a real quote from our website on 26/08/2026 for a 2-day, single trip, adult policy. It is shown for illustrative purposes only. If your circumstances or requirements differ, your quote may be higher or lower. The quote you receive will be based on the information you provide about your activities. Get a quote for pricing tailored to your requirements.
Thousands rate how easy it is
We’ve refined our process to make buying sports insurance abroad simple but thorough, with cover designed around the activities you take part in, from training trips and competitions to active holidays overseas.
Our Claims Record
Average pay out for each insurance claim
£1,599.09
How to make a claim
Choose your policy, find the forms you need
Download and complete forms
Submit your claims for review
A Recent Claim Example
“One of our policyholders became unwell while in South Africa to play Cricket. They sought medical treatment and were treated for suspected appendicitis, with symptoms of stomach cramps, high fever and nausea. Because they secured our Sports Travel Insurance, they were covered to seek medical treatment.”
Total Paid Out
£5,971.47
Claim Type
Medical Assistance
Policy Type
Sports Travel Insurance
Incident
Medical assistance
Policy Excess Applied
£90.00
Location
South Africa
Disclaimer
Data relates to all SportsCover Direct Insurance claims from Jan to Dec 2025 inclusive. Claim example from 2025.
Medical cover explained
We provide cover that considers your medical circumstances. Complete a medical declaration to ensure you’re properly protected, as part of the quotation process.*
*Please note, just because you’ve declared a medical condition or injury doesn’t mean it is automatically covered. The insurer needs to assess it first and will inform you by email if any terms apply.
Medical conditions must be declared
All pre-existing conditions considered
Cover available up to age 74
We'll review your details
Most declarations don't mean exclusion
Any terms will be confirmed by email
Why choose us
SportsCover Direct is a specialist insurance provider focused entirely on sport. For over 30 years, we’ve helped athletes, teams and organisations get the protection they need, whether they’re travelling, competing, or training abroad or in the UK.
Covering 500+ sports
Fast online quotes
Established over 30 years
UK-based support team
FAQs
Yes, our Downhill Mountain Biking Travel Insurance can generally be taken out even if you have a medical condition. We can almost always offer cover at no extra cost, but occasionally our underwriters may apply special terms if you subsequently needed to make a claim relating to your condition.
Our policies will cover anyone up to the age of 74 at the time of purchase. An applicant aged 75 or over cannot be covered.
Our Sports Travel Insurance policy provides up to £5,600 worth of equipment cover as an optional add-on. This not only protects your equipment but also any gear you hire during your trip. It also covers your biking equipment in transit to and from your destination.
Get specialist cover in minutes
Covering over 500 sports with quick online quotes and UK- based support, if you need it.
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