Mountain Biking Insurance
MTB cover for trail, downhill & cross-country
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Emergency medical cover & repatriation
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Cover for mountain bike equipment
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MTB race & competition cover
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What’s covered with mountain biking travel insurance
Our mountain biking insurance can protect you while riding in the UK or abroad, from trail centre sessions and guided MTB holidays to alpine descents, enduro trips and multi-day backcountry routes.
When riding overseas, a full mountain bike travel insurance policy can provide cover for emergency medical treatment and repatriation, personal liability, trip cancellation or curtailment, travel disruption, activity fees and search and rescue where applicable. Mountain bikes and cycling equipment can also be covered up to £5,600.
The policy is designed for a wide range of riding styles, helping protect both your trip and the bike and kit you rely on.
Already have travel insurance but mountain biking is excluded? Add our mountain bike bolt-on for the days you ride, from a single downhill session to a full MTB holiday.
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 mountain biking insurance cost?
Your mountain biking cover is shaped by several key factors: your age, where you travel to, the length of your trip and the frequency you travel.
It also depends on the type of riding you plan to do and its risk level, the cover limits you choose for medical, cancellation and equipment, and the value of your mountain bike and riding gear including accessories and upgrades.
Review the example and get a quote tailored for your MTB trip or riding holiday.
Pricing 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
- Trip Cancellation £1,000
- 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.
Why you need mountain biking insurance?
Injuries and emergencies can become expensive
From crashes to accidents in remote riding areas, unexpected incidents can lead to significant overseas medical costs, emergency assistance or search and rescue expenses.
Your bike and riding kit need specialist protection
Damage, theft or delayed arrival of your bike can disrupt your trip and leave you facing unexpected costs.
Travel disruption impacting your holiday
Cancelled flights, lost luggage or travel delays can affect uplift bookings, guided rides, race entries and accommodation plans, not just your journey.
Hear from our experts
“Mountain biking can take you onto steep trails, technical descents and remote routes where a fall, damaged bike or sudden change in conditions can quickly affect your plans.
Choosing routes suited to your ability, wearing the right protective equipment and checking your bike before you ride can all help reduce the risks. Even with good preparation, accidents, rescue situations, equipment damage and travel disruption can still happen.
Our mountain bike travel insurance can help cover emergency medical treatment and repatriation, search and rescue, cancellations, delays, bike and equipment damage and other unexpected costs.
We’ve supported cyclists and active travellers for more than 30 years, so you can focus on the trail ahead knowing experienced help is there when you need it.”
Chris Trotman – Head of Sales & Underwriting at SportsCover Direct
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
Browse covered sports and activities
You’ll find a wide range of cycling disciplines covered, you can add multiple activities to your policy, we cover over 500. Browse our extensive list.
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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
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.
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.
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.
Yes, you are covered to participate in mountain bike races and competitions provided it’s not at a professional level.
Our policy will not cover you to travel to destinations restricted, listed by the foreign office. Please refer to the Foreign Office website for the most up-to-date information.
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.
If you have an annual policy, you are unlikely to need an extended policy unless you have travelled closed to the expiry date.
For shorter term policies you can simply call us to extend an existing policy or purchase additional days online.
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.
Yes, you are covered to mountain bike in these scenarios for the benefits listed on your policy.
Yes, it will depend on the value, we can cover up to £5600 of sports equipment, with our gold level of cover.
Yes, you will need to select the most suitable value of sports equipment cover to include your 2 bikes.
Yes, you can also select downhill mountain biking for your policy.
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.
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.
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 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.
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.
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Covering over 500 sports with quick online quotes and UK- based support, if you need it.
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