Award-Winning, Flexible

Mountain Biking Travel Insurance

Buy your
Mountain Biking Insurance in minutes

10% OFF ONLINE*

Buy your
Mountain Biking Insurance in minutes

10% OFF ONLINE*

Smart Money People Award for SportsCover Direct
Feefo 2025
4.8/5

Independent Service Rating based on
4976 verified reviews.

Smart Money People Award for SportsCover Direct
Feefo 2025
4.8/5

Independent Service Rating based on
4976 verified reviews.

Our Mountain Biking Insurance policy options

Put simply, we offer three different policy options…

1. Travel Insurance

Our worldwide Mountain Biking Travel Insurance can cover you whilst mountain biking abroad for leisure or competition. Includes cover for medical and repatriation costs, trip cancellation, plus more.

2. Travel Insurance Bolt-On

If you have a travel insurance policy with another provider, such as your bank, but it does not include cover for mountain biking, we can provide a bolt-on style of protection under our “Activity TopUp” policy.

3. Sports Accident Insurance

Our Sports Accident Insurance is designed to protect you for mountain biking in the UK. Our policy provides personal accident, and if selected, can include additional Income Protection.

Making claims clearer

AVERAGE PAY OUT 

£703

 FOR EACH TRAVEL INSURANCE CLAIM**

OF OUR POLICY HOLDERS

2.05%

NEEDED TO MAKE A CLAIM**

OUR AVERAGE CLAIMS RATING

4.9/5

ACCORDING TO OUR FEEFO SCORE***

Get an instant quote for Mountain Biking Insurance online

Join thousands of cycling and mountain biking enthusiasts who choose us every year

Or Call us on 01494 484800

Why choose us for Mountain Biking Insurance

30 Years Experience

We have been providing tailored Sports Insurance policies for over 30 years, and today protect more than 57,000 customers a year.

Professional Claims Handling

We work with leading claims handlers to make sure our customers experience a prompt and professional service when making a claim.

Underwritten by Experts

We’re pleased to offer tailored Mountain Biking Insurance from AXA XL, a leading provider of insurance in the sports and leisure industry.

UK Based Customer Service Team

Our highly experienced Sales team are available to help support you with any questions that you might have.

5-Star Customer Service Rating

Thousands of happy customers have awarded us a 5-star customer service score on the independent feedback platform, Feefo.

500+ Sports Covered

Being a specialist in Sports Insurance, we provide cover for over 500 different sports & activities, far more than other providers.

What is mountain biking travel insurance?

Mountain biking travel insurance is designed to cover the costs of medical assistance should you get injured whilst out on the trails in a foreign country.

If you are travelling abroad you can choose Sports Travel Insurance, where you will also be covered for cancellation, lost baggage, and sports equipment such as your bike, helmet etc. Additional mountain biking equipment cover can be added on, up to a maximum of £5,600.

If you are mountain biking in the UK, our Sports Accident Insurance could provide you with a lump sum payment if you suffered a serious injury whilst riding, in addition to other benefits like income protection and personal liability cover. 

Our Mountain Biking Insurance policy can cover you for many types of mountain biking – Cross Country, Downhill, Stunts, Competitions. Select the most appropriate activities when you get a quote online.

Mountain biker jumping in forest

What’s covered in our mountain biking policy?

From covering medical expenses to protecting your bike should it get stolen whilst you’re on holiday or in transit, our Mountain Biking Travel Insurance provides comprehensive cover. 

  • Emergency Medical Expenses & Repatriation
  • Cancellation & Curtailment
  • Personal Accident cover
  • Personal Liability
  • Delayed, lost or stolen baggage
  • Activity & Race Entry Fees
  • Sports Equipment

Discover the full extent of our cover

Or Call us on 01494 484800

Is mountain biking considered an extreme sport?

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.

What level of equipment cover do you need for your mountain bike?

You have the option to choose the right level of cover based on your mountain biking requirements.

Our policy provides bronze, silver and gold cover levels, which correspond to the value of your benefits such as medical expenses, sports equipment and cancellation. Request a quote to find out more details about the different levels available and be sure to check policy documentation with your quote.

Frequently Asked Questions

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.

You can purchase our Mountain Biking Insurance online up until 74 years old, above this age you would need to call us on 01494 484800 and we will be able to refer your quote to our underwriters. Please note, our quotes are based on your age at the start date of cover.

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. 

* 10% online discount applies to our Sports Travel Insurance and Activity TopUp policies only. 

** Data relates to Sports Travel Insurance claims from Jan 2023 to Dec 2023 inclusive.

*** Feefo rating relates to Sports Travel Insurance claims review score from Jan 2023 to Dec 2023 inclusive. 

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