Mountain Biking Travel Insurance

Our Mountain Biking 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.

Yes, our Mountain Biking 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.

The cost of your mountain biking insurance will depend on the level of cover you require. We can offer bronze, silver and gold cover levels to suit your budget and extent of cover.

Our travel insurance for mountain biking can include over 500 different sports so whether you’re participating in downhill, cross-country, competitive mountain biking (provided it’s not professional) we can cover you.

Our mountain bike policy will cover your bike under sports equipment, if it’s stolen. You will need to have taken reasonable precaution to secure your bike to ensure it’s covered. During your trip you will also be covered to hire equipment if yours has been stolen so you can still participate in planned activities.

If you’re bike is damaged you covered for either the repair of your bike or hiring replacement equipment during your policy, whichever is cheaper.

Yes, your bike is covered under sports equipment. When in transit with an airline or transfer provider we can cover damage to your bike. However, if it is lost by an airline, they are responsible, we cannot cover this loss.

Yes, you are covered to participate in mountain bike races and competitions provided it’s not at a professional level.

Yes, if you sustain an injury from mountain biking, emergency medical expenses can cover you to receive the treatment you need.

An e-bike is covered under a mountain bike policy provided the bike meets EACP regulations, maximum travel is 20mph and maximum 250W.

We can cover beginner through to expert riders, but we cannot cover professionals. Our classification of a professional is someone who earns more than £5,000 per calendar year from participating in their sport/activity, anyone under contract, scholarship or where their full-time occupation is their sport/activity. 

Mountain biking could be classed as an extreme sport by some travel insurance providers, and therefore, not always covered within their policy. Make sure you have the correct cover in place for the sports you need. Our cover can include extreme sports insurance so provided you select the right activities, you can ensure you will be covered.