travel insurance mountain biking

Best mountain bike insurance: keep yourself and your steed safe and covered

Always be prepared, with the best insurance policies for your mountain bike

Best mountain bike insurance: US

Best mountain bike insurance: uk.

Most mountain bikers just cover their bikes under their home insurance policy. That’s a bit like wearing half a bike helmet. It might be fine, but it probaby won’t be. To prevent your pride and joy from becoming nothing more than a distant memory, taking out a policy with one of the best mountain bike insurance providers is a seriously worthwhile investment. This is especially true if you travel with your best mountain bike and race throughout the season.

Dedicated bike insurers — and a handful of honorable generalists — not only cover your bikes to rather more realistic levels of value, they also include more real-world coverage, like cover away from your home, on your roof rack, or when mountain bike racing , and often include nice touches like emergency pickup if you get stranded miles from home with a bike failure.

This article looks at some of the best mountain bike insurance you can get, to cover both your bike(s) and yourself. For each insurer, we separate out the package that’d be best for general mountain biking, and what you’d need to add on for travel or racing.

The devil really is in the details when it comes to insurance. Most of the companies we’ve listed here are highly rated for customer service and staffed by bike experts, but even the loveliest claims handler won’t be able to pay out if you haven’t met the terms of your policy. We list out things to check for below, including the grade of best MTB bike locks you need, where you can store your bike overnight, and whether it needs to be locked when you store it inside.

Policies and underwriters do change — as former cyclists' favorite PedalCover has done —  so be sure to check for things that are important to you, before you buy. All the ones we’ve listed are specialists, though we’re currently hearing good things about Barclays and Halifax in the UK as well, so do phone around. 

High prices don’t always correlate with good service, though decent comprehensive cover rarely comes cheap. Often you can expect to pay five to ten percent of the value of your main bike, or £100-300 for a mid-range MTB.

What to look for when it comes to mountain bike insurance

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• Does the insurer pay for a new replacement, or your bike’s secondhand value? All the insurers we’ve listed below pay new value, though some have a cap on bike age.
• Is compensation in cash or via ‘preferred retailers’?
• Keep your receipts for everything, including your bike locks, upgrades, etc., and keep your replacement valuations up to date
• Where can you store your bike overnight? Is your shed excluded? Do you need to lock it within your garage?
• What kind of lock do you need? Most insurers specify bronze, silver or gold certified locks depending on the value of your bike 
• What’s limited? E.g. must a recovery service be within 30 miles, and limited to three times a year?
• What’s excluded? E.g. e-bikes may be specifically excluded. 
• Even if terms like ‘racing cover’ seem obvious, check what the insurer actually means. For some it means you’re covered for damage, injury and liability at races; for others like Cycleguard it also extends to recovering costs if you’re injured and can’t go. 

All of the following providers tend to get good ratings from cyclists.

Velosurance

Specifications, reasons to buy.

Insurance in the US is complicated and there are a lot of different ways you might find some form of coverage. What is hardest to find is coverage for a bike that makes sense to a cyclist. That's where Velosurance comes in. They simply understand what a bike might mean in a way that many US insurance options don't.

Best package for general mountain biking 

Velosurance is all about covering your bike in the way that people use bikes. You set the value of the bike, including upgrades, as part of the policy and once it's agreed to that is what's available for payout. You'll only need to add to the standard policy if you need coverage beyond covering the bike. 

Best package for traveling and racing

"Racing, even as a pro, is accepted as normal use of your bicycle and is covered" without needing to make any special changes to the policy. That coverage only applies in the US and Canada though. It does cover transportation by land and air but once you head out of those two countries, you'd need to purchase the Worldwide Physical Damage Coverage Extension.

Sundays is a cycle insurance specialist that has two package options — one for cyclists and one for their bikes — you can combine them as you wish. It focuses on fast resolution of claims, and one nice bonus is that it doesn’t increase your premium when you claim. It uses the same underwriter as Wiggle, so you’ll spot some similarities (e.g. the not-enormous injury cover) but some differences (e.g. Wiggle includes taxi recovery).

Sundays’ core package covers mountain biking and e-bikes, and includes familiar and useful elements such as kit and wheelsets, and accidental damage on roof racks.

You can add optional travel cover and optional racing cover to your policy, and if you’re racing, you probably want to have both ‘cyclist’ and ‘bicycle’ cover (note that racing cover excludes riding in a peloton).

Other types of insurance 

USA Cycling membership doesn't cover your bike but it does help fill in health insurance coverage gaps during events. It's there as "supplemental accident medical coverage" and "will pay 70% of the Reasonable and Customary remaining expenses ABOVE the deductible, up to a limit of $25,000." 

Yellow Jersey

As the official supplier to the British Triathlon Federation, Ride London, and Cycling UK, Yellow Jersey is very much angled to what serious cyclists need. At renewal, it gives you a 25 percent discount, even if you’ve claimed before, and a single policy can be used for up to £50,000 bike value. Its liability insurance even covers you on hire bikes.

Essentials covers theft, personal injury, accidental damage and public liability. It also includes family cover and some multi-bike discount, but no travel cover or event cover.

Ultimate, which includes racing worldwide travel, crash damage, damage to bike boxes and theft from transition areas. It also includes a 60 percent multi-bike discount and taxis home (in the UK) if you have bike trouble 

British Cycling’s insurer of choice, Bikmo prides itself on being run by cyclists.

If you already have medical and personal accident cover, the basic ‘Go’ cover works well, with year-round worldwide cover, theft and accidental damage, bike box cover, 24/7 cycle hangar parking, excess-free replacement via local retailers, and 50 percent multi-bike discount. It even includes race fee cover. If you need the medical cover and personal liability, upgrade to the mid-level Plus cover.

The Race package adds road, crit and circuit racing, but if you’re only racing off-road, then the Plus cover would be all you need, especially as it includes travel.

Velosure is a warmly rated cycle specialist that gives flexibility to customize your own package, and a detailed and transparent website.

Velosure’s core bike package covers a lot of the things that are added extras on other policies, including racing, European cover, and replacement cycle hire. 24/7 cycle rescue, triage, physio, and initial legal advice add to the list

Racing and European cover is covered on the core package; worldwide cover is an optional extra. (Racing, travel, and other features are optional extras on e-bike cover)

Pedalsure is super-flexible on the amount of cover you can choose, so it's worth a look if you are after higher than normal coverage, for instance. You get a free Hiplok D-lock with higher-value policies and a maximum individual bike cover of £15,000.

Your insurance package is tailored as you submit it, so as you fill in your online form it asks how much cover you want for accessories (£250-£1,000), whether you’ll be racing, and so on.

You can also choose from three optional levels of personal injury cover (up to £1,000 physio cover, £1,250 dental cover and £50,000 personal accident cover and three levels of loss of earnings cover (£750 a week costs about £85 a year).

If you’re racing you’d click ‘hell yeah’ on the racing question (really), and if you need cover abroad, you’d pick 'racing overseas' as an optional extra

Cycleguard is a long-established and straightforward bike insurance specialist.

Cycleguard’s core package is a solid one, with accessories covered up to £3,500 and injury cover extending to £25,000. Note that legal cover and personal injury cover are optional extras, and this is clear when you fill in the form for a quote. Be sure to check which elements are optional extras when you speak to them, though.

The basic package includes 30 days’ cover in the EU; you can add global cover as an extra. For racing, add the Race and Compete cover option, which lets you recoup race fees, travel, and accommodation if you are injured and can’t make the start line, and things lost in the transition area. 

Wiggle, the hassle-free sports retail behemoth, now provides bike insurance. As well as bike cover, its policies include unlimited accessories and kit insurance – just list what you have. It will also cover bikes stored in your car, as well as those secured to the roof rack.

Essential includes (limited) emergency medical treatment cover, theft, and accident damage.

Elite adds global travel cover, races and sportives, and bonuses such as taxi fare reimbursement and replacement cycle hire.

Cycling UK membership for £48 a year gives you third-party liability insurance and expert cycling legal assistance, and discounts on bike insurance with Yellow Jersey and Pedal Cover. 

British Cycling offers similar liability insurance, legal support, and insurance discounts, plus the option of liability insurance and legal support for racers. 

Sportscover Direct is worth considering as an addition if your current bike insurance meets most of your needs but excludes something specific, like overseas competitions, or jumps. Fun fact: it can also cover you for ‘medieval combat with steel weapons’ if you need them to. Bicycle jousting, anyone? 

Sean has old school cycle touring in his blood, with a coast to coast USA ride and a number of month-long European tours in his very relaxed palmares. Also an enthusiastic midpack club cyclocross and XC racer, he loves his role as a junior cycle coach on the Kent/Sussex borders, and likes to squeeze in a one-day unsupported 100-miler on the South Downs Way at least once a year. Triathlon and adventure racing fit into his meandering cycling past, as does clattering around the Peak District on a rigid Stumpjumper back in the day.

Height: 173cm

Weight: 65kg

Rides: Specialized Chisel Comp; Canyon Inflite CF SLX; Canyon Aeroad; Roberts custom road bike

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Mountain biking travel insurance

Mountain biking can be a very fun activity, especially when you’re on holiday, but it’s important to make sure that you’re adequately covered. Whether you’re new to mountain biking or a seasoned participant, you can be rest assured knowing that your mountain biking travel insurance won’t be something to worry about.

Our travel insurance policies all come with automatic cover for  over 50 sports and activities  including insurance for surfing,  jet skiing  and even basic  scuba diving ! Mountain biking is included in all our policies free of charge, but it’s important to note that if you’re going to be downhill racing or riding over extreme ground conditions, you’ll need to purchase additional cover for  adventure and extreme sports .

As always terms and conditions apply, so check the  policy wording  for full details of these and the other activities we cover.

Why do you need travel insurance for mountain biking?

While incredibly fun, mountain biking can also be a risky activity. Having faulty brakes, or just being unlucky and having your wheels give way, could lead to an injury and you may need medical attention while abroad. It’s important to think about having a travel insurance policy which will cover you in the event of an accident or injury. We’ll have you covered!

What is included with mountain biking insurance?

As mountain biking falls under all our policies as one of  50 amazing adventure sports and activities , you’ll be able to ride happy knowing that you’re covered for: 

• Medical expenses and hospital benefit
• Personal accident and liability
• Cancelling and cutting short your holiday
• Abandoning your trip
• Delayed departure
• Accommodation cover
• Personal belongings and baggage
• Personal money, passport and travel documents
• Legal expenses

Please note that while mountain biking can be covered by our policies, you won’t be covered if this is the main purpose of your trip.

Will my mountain bike be insured?

While mountain biking is automatically covered under all our policies, equipment can be expensive, so if you’re travelling with yours it’s important that it’s fully insured.  All our policies include cover for valuables, including sports equipment, so make sure you choose the right level of cover for your needs. If your mountain bike means a lot to you, you can even add extended valuables cover to your policy, which covers up to £1,000 per item – see our  policy wordings  for more details.

Mountain biking safety tips

Don’t let an accident on the first day ruin the whole week; remember a few simple tips and ensure a great time mountain biking.

• Always make sure equipment is fully functional
• Wear appropriate clothing and safety equipment
• Choose the right travel insurance policy for you,  get a quote online  or read our  policy documents  for more information on our travel insurance for mountain biking.

  Please note: ‘Mountain biking travel insurance’ is a general term for cover included within our standard travel insurance. We don’t offer specialist insurance cover for this specific activity.

• Unlimited emergency medical expenses available on Black level policies.
• InsureandGo’s Gold achieved a Which? Best Buy.

Are you covered? | 5 things to consider when shopping for mountain bike insurance

Unfortunately, things happen out mountain biking. As I’m typing this, my hand is sore because a bit of leaf litter on the crux of a feature I’ve ridden millions of times sent me careening off trail and over the handlebars.

While I came up laughing this time, it could have been a whole lot worse for my body and bike. Had that happened, there would have been several phone calls and emails exchanged with insurance agents to try and recoup some costs.

But it’s not just on the trail; we’ve had bike bags appear from the oversized luggage doors with giant holes in them, seen them bouncing down the highway after falling off of car racks, and we also know a few folks whose packed up bike boxes have disappeared from European train stations.

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Insurance is one of those things you lament when the policy renewal hits your inbox but are thankful for when you need it. That is until you try to claim something that is explicitly excluded because you missed one line in Appendix S in the Product Disclosure Statement.

Insuring your mountain bike can be tricky at the best of times, and even with bike-specific policies, figuring out what is actually covered can feel like you need to have legal counsel reading over your shoulder. When you throw travel and racing into the mix, the complexity, exclusions and excesses increase tenfold.

A lot of folks have their mountain bike insured as removable items on the home and contents insurance; there’s also bike-specific coverage out there. BUT — and this is a big one — even when you think you’re covered sometimes, buried deep inside the appendices and add-on policy wording sometimes has a caveat that allows the provider to deny your claim and hang you out to dry.

Everyone’s situation is different, and we can’t provide advice or point you towards a specific policy or provider that will have you completely sorted. However, having navigated this ourselves on a few occasions, here are a few things to keep an eye out for when it’s time to renew your insurance.

Is mountain biking covered?

The key, a-number-one, most vital thing to take into account is to ensure that mountain biking is actually covered under your chosen insurance policy.

While some home and contents insurance will cover your mountain bike away from the home, it’s extremely common for loss or damage while it’s being ridden or in use not to be covered. Others will offer coverage while in use but have exclusions for racing.

Even if your bike is covered by a home or contents insurance policy, sometimes they will only pay out as little as $500 or $1,000 AUD for a bike, unless you specify it as a removable item in the policy and attach a dollar value.

Worse, some bicycle and cycle cover add-ons have wording that specifically excludes loss or damage from, “any off-road riding on loose or severe terrain or surfaces,” “any riding over jumps, ramps or other obstacles,” or “performing tricks or stunts.”

If you are looking into bike-specific insurance, sometimes there is wording that applies additional excesses or exclusions for carbon fibre, batteries, upgraded parts or accessories like your Garmin or Wahoo computer — those things ain’t cheap, and they are often the first thing to disappear in a crash.

When it comes to travel insurance, there may be similar exclusions for extreme sports, an umbrella which mountain biking usually falls under in the eyes of an insurance company. Sometimes, there is an extra or add-on that will increase the premium or excess by a bit for coverage while riding.

When in doubt, never make assumptions, ask questions and be sure things are explained completely and in plain English.

Is your location covered, and what about in transit and travelling?

Usually a policy will lay out pretty clearly the boundaries of its coverage. Obviously for policies purchased in Australia, you are covered for….well… Australia. Some will even cover New Zealand and transit across the Tasman Sea. A number of products we’ve come across have carve-outs for riding in North America, so if you break yourself or your bike at Whistler or checking out trails in Marin County, you could be SOL. When in doubt, contact your insurance provider, and it never hurts to get things in writing, either.

Keep an eye out for lines about loss or damage in transit. Some policies won’t cover your ride if it’s lost or damaged in transit through the post, commercial courier, or other similar commercial service. Others will specify that coverage only extends to a bike in transit while it’s contained inside a vehicle or aeroplane, meaning it’s the Wild West attached to roof racks or on a shuttle trailer.

When it comes to bike-specific insurance, your bike needs to be locked in a secure space and/or with an approved lock. If your garage does not lock — like most that use an electric opener — it often isn’t considered secure in the eyes of many insurance companies, and so you may need to have your bike locked — with an approved lock — inside your garage to abide by the terms of the policy.

Is mountain bike racing covered?

When you sign up for a race in Australia, you’ll need an AusCycling licence. Attached to this is public liability and personal accident insurance that is valid everywhere in the world except the US and Canada. This coverage extends beyond just racing and will back you out riding recreationally and, of course, riding on the road, commuting or anything else.

However, most other insurance will have wording that excludes coverage for incidents, damage and loss that occur during racing without the purchase of additional coverage.  Sometimes the wording is vague enough that any event, even something non-competitive like Ignition Mountain Bike Festival might not be covered. This includes travel insurance. Again when in doubt, ask questions and get answers in writing.

Professionals, brand ambassadors and bike industry folk

Did you get a screaming deal on a bike because you do huge numbers on Instagram, and your TikTok sketches are so on point Mr Beast is ringing you up asking for tips? Or maybe you finally scored a deal to race for your local shop, and they provided you with a bike to take on the big dogs in the National Series. Heck, maybe you work in a bike shop and pulled some strings to get a new ride at 30% off wholesale.

If this is you and you’re hoping to take out insurance on this sweet ride just in case, you’d better read your policy VERY carefully. Several of home and contents and bike-specific policies won’t cover a bike you paid less than 50% of the retail price for, or if they determine you are a sponsored rider — and yes, it is a safe bet the person assessing your claim will Google you and look at your social media.

The other common exclusion is if you use your bike for work. Do you run a guiding business or coaching as a side hustle that sees you riding your bike? Well, your bike may need to be insured as equipment under your business insurance, as many policies have wording that excludes coverage for bikes used for any commercial activity.

Ambulance cover, Income protection, Personal Accident and Public Liability

While this quartet of coverages may not be specific to mountain biking, each is worth of consideration if your looking at insurance.

Mountain biking is an inherently dangerous sport and there is a distinct chance you may see the inside of an ambulance at some point in your riding career.

If you live in Queensland, you’re in luck. The State Government provides ambulance cover to all its residents whether you go for a ride within the borders of the Sunshine State, or anywhere else within the boundaries of Australia. If you are not a Queensland resident and need a ride to the hospital while visiting the state, you will be responsible for the cost of the ambulance, as at the time of writing, there are no reciprocal agreements between the QLD Ambulance service and interstate providers.

The Tassie State Government also provides ambulance cover for its residents; however, there are a few caveats. In WA and ACT, you have partial cover, while in SA and QLD, you’re on your own. Everywhere else in the country you’re covered.

For anyone else, ambulance cover is an excellent idea to have as the call fee alone can be north of $1,000 AUD.

The same goes for income protection and public liability insurance. So if you’re hurt riding and are unable to work, or something you do on the bike causes someone else to be hurt or damage something — say someone else’s bike or you crash into a car, you won’t be stuck with the cost.

As we mentioned above, an AusCycling licence has this coverage built in. However, this type of coverage can also be obtained through third-party outfits.

Insurance and mountain biking aren’t typically things we’d group together, but given how quickly things can go wrong, and how litigious some folks are it’s a good idea to take these things into consideration.

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Mountain Bike Insurance | The Ultimate Guide

The best guide to understanding mountain bike insurance and its benefits.

Mountain Bike Insurance

There’s nothing quite like heading out for a day on the trails. Whether you’re in it for the exercise or to get some shredding in, we understand that insurance probably isn’t on your radar — and we get it. Safety and risk mitigation isn’t exactly … exciting. But ensuring your mountain bike and riding gear are protected shouldn’t be something you overlook.

Let’s break down mountain bike insurance and take a step-by-step look at why it’s effective and, quite frankly, a necessity.

I rent an apartment. Does my renter’s insurance cover mountain bike theft?

There are a few ways to answer this question. Technically, if your mountain bike is stolen from your apartment, your renter’s insurance will likely (in theory) cover it — but there are some important conditions that we’ll get into shortly. This assumes you have personal property coverage which is generally included in most renters insurance policies anyway.

Personal property coverage usually ensures you’ll be paid out to replace your belongings in case of “peril.” “Peril” in this case refers to things like unexpected theft, damage, fire, etc. So basically, if something bad happens and all your “stuff” goes missing or gets damaged, renters insurance will give you a certain amount of money to replace your “stuff.”

However! And this is a pretty big however! The full cost of your mountain bike probably isn’t covered. Plus, if something happens to your mountain bike when it’s not at home, you’ll probably only receive partial benefits. Let’s walk through an example and say your mountain bike is valued at $1,000 and your renter’s insurance deductible is $2,000.

If your mountain bike is stolen from your apartment:

Because your mountain bike is worth less than your deductible, you may have to pay the $1,000 to replace your mountain bike out of pocket. Alternatively, the way your renter’s insurance pays out benefits might be broken up into categories. For example, if we say that you have $10,000 in total coverage, it’s likely that only a percentage of that money goes towards things like bikes, helmets, and other athletic assets.

If your mountain bike is stolen while you’re at work (or any location that isn’t your apartment):

You’ll have to check your renter’s insurance policy for the details but in general, you’ll be paid out a percentage of your mountain bike’s value. If we assume this percentage is 10%, you’ll get 10% of your bike’s value.

Again, each renters insurance policy is different so it’s important to check your policy for the fine print. We’re just saying that it’s unlikely your renter’s insurance will pay the full cost of your mountain bike if it’s stolen, regardless of where it was stolen from.

Plus, even if your renter’s insurance policy does pay out the full amount for your stolen mountain bike, there’s a strong chance your premium is going to go up. This means that while you won’t have to pay a ton out of pocket once it’s stolen, you’ll pay for it over time — a little bit more every month, quarter, or year. Kinda sneaky, right? We think so, too.

Don’t even get us started on accidental mountain bike damage. The majority of mountain bikers aren’t going to be using their ride at home inside their apartment. The whole point is to take them out on the trails, right? This means your mountain bike is more likely to be damaged away from your apartment than it is inside of your apartment.

If your mountain bike falls off of your roof rack on the way out to a ride, how well do you think that’s going to go over with your carrier? Spoiler alert: at best, it’s going to be very challenging.

So what can I do to get better coverage for my mountain bike?

The good news is that there are a few options. One is easier and more effective than the other. Let’s start with the harder one.

You can get a scheduled personal property endorsement with your renter’s insurance carrier. This means you get your mountain bike appraised and send over a bunch of paperwork to your provider. They’ll take a look and agree or disagree to specifically cover your mountain bike in the event of peril. What this means is that you’re more likely to get a bigger payout check if something happens to your mountain bike while you’re at home.

But what if you’re injured out on the trails? What if you incur medical bills? What if your mountain bike was damaged and you can’t participate in the race this weekend? Well, your renter’s insurance scheduled personal property endorsement isn’t going to solve those problems. But mountain bike insurance will.

What is mountain bike insurance?

Mountain bike insurance is a stand-alone policy that cyclists hold in addition to other policies like renters, homeowners, or umbrella insurance. Because it’s a stand-alone policy, it has more benefits and offers coverage that’s specific to owning a mountain bike like:

• Full-value mountain bike coverage
• Mountain bike crash and collision damage
• Mountain cycling accessory, apparel, and gear coverage
• Replacement mountain bike rentals
• Roadside assistance in case of emergency
• Coverage for damaged or stolen mountain bike spare parts
• Mountain bike theft from your home, condo, or apartment
• Mountain bike theft from work or other locations that aren’t specifically your home
• Vehicle contact coverage

A pretty comprehensive list, huh? If you choose the right mountain bike insurance carrier and it’s time to make a claim, your premiums won’t go up and you won’t be hassled.

Psssstttt! If you belong to a bicycle association, you’re also likely eligible for 10% off your policy with Simple Bike Insurance!

In addition to stand-alone mountain bike insurance benefits, you’ll likely also have the option to include add-ons specific to you and the way you ride like:

• Mountain bike event fee reimbursement
• Mountain bike racing coverage
• Worldwide mountain bike transit and travel damage

So not only do you get more benefits than traditional renters insurance, but you’ll also get to pick and choose policy add-ons to fit your mountain cycling lifestyle.

How much is mountain bike insurance?

This is obviously going to depend on which carrier you choose. If you live in the United States and Canada, Simple Bike Insurance offers policies starting at just $100. Plus, you get to build your own policy and if you’re in a bike association, you get some sweet discounts.

We won’t raise your premiums if you make a claim because we understand that sometimes bad sh….things happen. Our goal is to get you the mountain bike insurance policy that meets your needs and doesn’t break the bank. We offer instant mountain bike insurance quotes so you can see exactly how much you’d pay in just a few seconds (seriously, it takes like a minute or two).

Ready to get started but have some questions? Talk to us. We’re here around the clock to answer your calls and emails. And, bonus points, we’re cycling enthusiasts too.

We’re Ready To Help

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bike TRIP travel insurance

Travel & medical insurance, mandatory on big mountain bike adventures trips.

Travel & Medical Insurance is mandatory on our trips. We recommend investing in the most comprehensive travel and medical package available. As this is an active holiday, it only takes a minor injury or illness to disrupt your trip. Purchase insurance once your deposit is paid, the trip is confirmed and your flights are booked.

We adhere strictly to our cancelation policy so please read it carefully.

Medical & Travel Insurance tips:

·       Confirm that Mountain Biking activity is covered with their policy, or road cycling if this is the trip that you’ve registered for.

·       Confirm that the policy includes Emergency air evacuation in case you’re injured in a remote region and require helicopter evacuation. *This is very important on our mountain bike trips.

·       Confirm that your medical bills will be reimbursed as well as costs incurred for travel changes in the event of early return home.

·       Confirm that your land and flight costs will be reimbursed in the event of the unexpected injury, illness or personal emergency before you depart.

·       Confirm that the policy covers lost or damaged baggage & personal effects, including bikes if possible.

·       Confirm that the policy covers baggage delay reimbursement and/or delay in your trip to recover expenses if the trip is interrupted/delayed or you miss a flight connection.

·       Confirm if the policy pays medical expenses upfront or if they reimburse after returning home/submitting a claim. Paying upfront is best as medical bills abroad can be expensive and "reimbursement type plans" might mean you can’t leave the facility or country until the bill is paid.

·       Confirm that the policy covers pre-existing conditions, as required.

On trip, riders must have a credit card, insurance contact number & policy number and a passport with them in case of emergency. Please upload these to your Client Terminal before the trip starts.

  Call us on 01494 484800 Open Mon - Fri | 9:00 - 5:30

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Mountain Biking Travel Insurance

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• Mountain bike equipment cover

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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.

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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.

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

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.

Insurance for multiple sports

Our Sports Travel Insurance covers over 500 sports and activities, so if you’re an active traveller you can include multiple sports on your policy. You can also choose our Activity Top-Up insurance , this applies if you want short term cover for a one-off activity that isn’t covered on your standard policy. Compare your options by g etting a quote online .

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.

* 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. 

Get an instant quote and buy  online now!

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Mountain bike travel insurance

Mountain bike travel insurance is a must-have if mountain biking is the primary purpose of your holiday or trip, especially if you’re taking part in a timed event.

Typical travel insurance excludes anything other than leisure riding. If you’re shredding trails in Morzine, you need specialist mountain bike travel insurance to cover the costs of medical mishaps.

Our MTB holiday insurance covers emergency medical care and repatriation, including emergency mountain rescue and heli-rescue if you are injured riding in the mountains. The policy also has generous cancellation and Covid covers as standard.

Mountain bike travel insurance reviews

Travel insurance for mountain biking holidays

If you plan a mountain biking holiday, you must have sufficient travel insurance for cycling.

Pedal Cover travel insurance will cover medical mishaps and emergencies on your cycling holiday, along with essential covers like cancelled trips, lost luggage and holiday money. 

We cover all forms of mountain biking as standard, including downhill and enduro, and essential mountain biking cover, such as emergency mountain rescue, if you are severely injured on a trail.

Please be aware bikes are not covered by our travel insurance. You can find more information on how to cover your bikes here .

Looking to cover your bikes?

What activities does mountain bike holiday insurance cover?

If you’re riding mountain bikes overseas, particularly if you’re heading to MTB resorts in the Alps or North America, a “high street” travel insurance is almost certainly unsuitable. along with full cover while mountain biking, we also cover:

Cycling disciplines A-L

• BMX Racing (recognised track only)
• Criterium Racing
• Cycle Touring / Bike Packing
• Downhill Mountain Biking (incl. racing)
• Gravel Riding
• Leisure Cycling

Cycling disciplines M-T

• Mountain Biking (all mountain, enduro, freeride, slopestyle, speed & style, cross country, four-cross, marathon, pump track, and trail riding)
• Multi-stage / Ultra Endurance Cycling Events (e.g. RAAM/ Haute Route/ Transcontinental)
• Road Cycling (charity events, gran fondo, road racing, sportives, time trials and training holidays)
• Track Cycling
• Triathlon / Duathlon / Aquabike (half ironman distance, ironman distance, olympic distance, sprint distance and training holidays)

Our mountain bike travel insurance cover explained

Our travel insurance covers everything you’d expect from a premium travel policy and other benefits unique to a mtb travel insurance provider—Below is a summary. Before buying any insurance policy, you should read the policy wording and understand the requirements and limits of cover.

Emergency Medical Expenses

Covering medical mishaps while mountain biking is crucial and is the primary feature of our mtb holiday insurance. It is also frequently missing from standard travel insurance policies. We cover the costs of emergency medical care to £10 million. The cover includes mountain rescue and heli-rescue if you are injured riding in the mountains.

Our travel insurance policies include cover for Covid 19, emergency medical care, and other expenses such as cancellation and curtailment related to COVID 19.

We have a separate section below explaining the cover; click  here .

Cancellation, Curtailment

We will cover up to £5,000 for your travel and accommodation costs if you have to cancel your cycling holiday due to unforeseen illness or injury. Unlike standard travel insurance, our cycle holiday insurance also covers you for withdrawing due to an injury that prevents you from cycling on the trip, even if you could fly.

Do you need bike cover?

Remember, this policy doesn’t cover your bicycle. For this, you can purchase our bundled home and bike insurance , or we offer a no strings attached rolling monthly cycle insurance.

Cycling Specific Covers

We cover repatriation for your bike if you have to return home in an emergency. Bike hire if your bike fails to arrive or is stolen, and cover for your race fee if you have to withdraw or the event is cancelled due to bad weather. All these are included as standard on our mtb travel policies.

Cycling Liability Insurance

If you damage somebody’s property or injure another rider while cycling, you could find yourself liable for damages. Every Pedal Cover travel product includes £2 million public liability cover while cycling on a trip, including in races.

Multi or Single Trip

Whether you want a one-off policy for a cycling trip or a multi-trip policy for the whole year, we can put together a package to suit you.

Racing and Training

Some travel insurance policies include limited cover for cycling. You should check the small print; there are usually severe exclusions, particularly for racing or serious training. We can cover you for a family cycling holiday, training camp, during events such as Mallorca 312 or even downhill mountain biking.

Winter Sports Cover

Cancellation, medical expenses and repatriation are all covered as standard for winter activities for up to 17 days a year on our annual package. You get benefits like loss or damage to ski equipment, lost ski passes, avalanche cover or resort closure.

Repatriation

If you injure yourself cycling abroad, our cycle travel insurance will cover mountain rescue and heli-rescue if you are injured riding in the mountains, and if necessary, we’ll cover the costs of repatriating you back to the UK.

Baggage & Money

We include cover up to £250 for lost or delayed baggage, up to £500 for holiday money, and up to £5,000 for valuables (which includes cycling clothing, helmets and shoes).

We cover cycling gadgets, for example, your Garmin, Wahoo, GoPro or other high-value electrical items. Please read the policy to know you’re getting the right cover for your trip and activities.

Our Mountain bike holiday insurance at a glance

Our policies have all the covers you’d expect from top-notch travel insurance and cover almost all cycling activities. Remember, this policy doesn’t cover your bicycle. For this, you can purchase our bundled home and bike insurance , or we also offer a no strings attached rolling monthly cycle insurance.

Core travel section

Cycle specific covers, winter sports (annual only), whatever your needs, we have you covered.

Single trip or an annual policy?

It is cheaper to purchase an annual policy if you plan to take a few trips over the course of a year, while still providing coverage for every race, and training camp you attend overseas.

Our annual policies also cover winter sports, so buying an annual travel insurance policy before your summer bike trip could save you the trouble of finding another insurer.

However, if you have ‘standard’ travel insurance for most of the year, but need a top-up for a training camp, then one of our single trip policies might be best.

Do you need competition cover?

Mountain bikers taking part in races and charity events will need to consider choosing a policy with competition cover. If you have a crash during a competition or are injured, you need coverage for liability and medical costs. Most other travel insurance suppliers exclude competitions, but it’s available with us, we even cover downhill mountain bike races!

We also offer you cover if you have to withdraw from an event, which prevents you from being out of pocket for expensive entry fees.

Welcome to our mountain bike travel FAQ section

We can hopefully answer all your questions related to our travel insurance built for cyclists offered by Allianz. For customers with questions about other policies, you should go to the relevant product page or contact the team.

Mountain bike travel insurance predominately covers your medical expenses when travelling abroad. Amongst over things, it also covers costs if your trip is cancelled.

Mountain bike travel insurance does not, however, protect your bike. If you need cover for your bike, you can purchase our combined home & bike insurance , which bundles home and bicycle insurance under one roof. If you don’t qualify for our home insurance or prefer dedicated cycle insurance , we also offer this as an annual contract or on a no-obligation rolling monthly basis.

Yes, our travel insurance provides coverage for downhill mountain biking, including participation in competitive events, emergency medical care and repatriation.

The policy also covers emergency helicopter evacuation.

Our mountain bike travel insurance covers emergency medical care and repatriation, including emergency mountain rescue and heli-rescue if you are injured riding in the mountains.

Yes, we want you to be able to enjoy the warm weather and beautiful roads during your training camp with confidence, so we’ll pay for your emergency medical costs and return travel if a sickness or accident prevents you from enjoying the trip.

Yes – When buying our travel insurance, be sure to choose Worldwide protection, which includes the USA.

If you don’t have any immediate plans to travel over the Atlantic, look at our European-only coverage, which is more affordable.

No – If you need cover for your bike, you can purchase our home insurance for cyclists , which bundles home contents, buildings cover (if you need it) and bicycle insurance under one roof.

If you don’t qualify for our home insurance or prefer cycle insurance only , we offer this either as an annual contract or on a no-obligation rolling monthly basis.

Yes. Our travel insurance is built to pay for unexpected medical needs. This is true for triathlons of any length and all types of bicycle racing, including mountain biking.

Our mountain bike travel insurance is built to cover repatriation costs due to injuries sustained while on holiday, even when riding or competing on your bicycle. 

If a serious injury prevents you from attending an event that you have entered, we offer entry fee cancellation coverage. Before the incident that prevents you from participating in your race, you must have taken out an insurance policy with us. Additionally, we need documentation of the injury from a licenced medical professional.

On a yearly policy, there is no cap on the number of trips. However, no journey may last longer than 60 days away from the UK.

Our annual multi-trip mountain bike travel insurance policy has a 120-day trip maximum, but you can take as many trips as you like during the year as long as no individual trip exceeds that length.

Our annual cover also includes winter sports coverage as an extra benefit. You can go for a maximum of 17 days per trip for winter sports holidays.

If you are planning an epic touring excursion, we might be able to assist with a personalised insurance policy, but you’ll need to give us a call.

Please remember that once you start travelling, we can’t provide you with extended cover.

Our MTB travel insurance covers up to five gadgets with a combined value of £2,000; this will cover any unintentional damage to your belongings while travelling or theft (e.g. from your hotel). The policy includes Garmins and also items like laptops, tablets, and cameras.

Please remember gadgets are not covered for damage while you are cycling. It’s best to look at the policy wording or call us if you are unsure.

We cover lots of of other sports – It is best to look at the policy wording for a complete list. 

Annual policies cover winter sports, so if you enjoy skiing or snowboarding over the winter, you won’t need to purchase an additional policy.

Our policy automatically covers you for one pre-existing medical condition from our list of automatically covered conditions .

If you have two or more conditions from the list below or a condition not on the list, the cover is excluded unless disclosed to the medical screening helpline, and the additional cover is agreed to in writing.

Automatically covered pre-existing medical conditions:

• Allergic reaction (anaphylaxis) provided that you have not needed hospital treatment for this in the last two years.
• Allergic rhinitis
• Arthritis (the affected person must be able to walk independently at home without using mobility aids)
• Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than two inhalers and no other medication)
• Blindness or partial sightedness
• Carpal tunnel syndrome
• Chickenpox – if wholly resolved
• Common cold or flu
• Cuts and abrasions that are not self-inflicted and require no further treatment
• Cystitis – provided there is no ongoing treatment
• Diabetes (which is controlled by diet or tablets only)
• Diarrhoea and vomiting – if wholly resolved
• Enlarged prostate – benign only
• Essential tremor
• Haemorrhoids
• Ligament or tendon injury – provided you are not currently being treated
• Macular degeneration
• Migraine – provided there are no ongoing investigations
• Nasal polyps
• Sinusitis – provided there is no ongoing treatment
• Skin or wound infections that have entirely resolved with no current treatment
• Underactive thyroid (Hypothyroidism)
• Varicose veins in the legs

Our travel policy does not cover pre-existing medical conditions as standard. We offer a confidential, independent medical screening service to provide a top-up if you need cover for a pre-existing medical condition. Contact their helpline at + 44(0)1702 427 237.

After answering questions about your medical conditions, the screening service will confirm if they can cover them. They may need to charge a premium, and they will explain any additional requirements, such as an increased excess.

If the helpline can provide the additional coverage and you elect to purchase it, you must first buy our Pedal Cover cycling travel policy. You will supply the helpline with your Pedal Cover policy number. You will pay any premium for the additional cover directly to the screening helpline, not Pedal Cover.

Once the medical conditions are covered, the helpline will give you a screening reference number. The helpline will send a letter confirming cover, cost, and requirements. Please keep this safe as it is required in the event of a claim.

If you purchase our Pedal Cover travel insurance before speaking to the medical screening helpline, and subsequently, they cannot offer a top-up, or you are unhappy with the extra cost quoted, you can cancel your travel insurance with us. We will provide a complete, no-quibble refund within the first 14 days of purchase.

Yes, but the insurance will not provide coverage for any claims directly or indirectly related to the pre-existing medical condition.

Our policy automatically covers you for one pre-existing medical condition from our list of automatically covered conditions . If you have two or more conditions from the list or a condition not on the list, all pre-existing medical conditions will be excluded from cover unless disclosed to the medical screening helpline and additional cover agreed in writing.

• Diarrhoea and vomiting – if completely resolved

Yes, all medical emergencies and associated costs will be covered.

Yes, you must have gotten an inoculation or vaccination against Coronavirus as recommended by the World Health Organization or the health authority in your country of residency to be compensated for any expenses incurred from contracting the disease.

The above is true for every contagious disease for which the World Health Organization or your country’s health authority recommends an inoculation or immunisation. Travellers to portions of Sub-Saharan Africa and South America, for example, are advised to get a Yellow Fever vaccine, and you would need to show proof of this vaccination to submit a claim for any expenditures incurred as a result of catching the disease while on vacation.

Yes, as long as you’re all covered by our insurance and all asked to quarantine. To confirm the quarantine order, you must be able to present medical evidence from the treating doctor or the local authority.

If you’ve been diagnosed with Coronavirus and are unable to travel, you’ll be covered as long as your doctor confirms the diagnosis and your inability to travel.

The policy covers cancellation as long as you have documented evidence from your airline that you were denied boarding because you were showing symptoms of a contagious condition.

If you have a valid cancellation claim, the cancellation section will refund you for all non-recoverable fees, including Visas, but only for the length of your cancelled trip.

No, if the UK is put in ‘Lockdown’ once again, there will be no coverage under the insurance for cancellation claims.

No, any charges (accommodation/travel) incurred in the event that the country you are visiting is “locked down” would not be covered.

If you can show medical proof that you have been diagnosed with Coronavirus or have been directly exposed to Coronavirus, you will be compensated for any additional lodging or travel expenditures.

Any essential medical expenses, as well as any additional travel or accommodation charges, are covered under the medical expenses part of the insurance.

All insured persons are covered for quarantine under the medical section, which includes coverage for additional lodging and flights.

The policy will cover you if a close family is diagnosed with Coronavirus and becomes extremely ill, necessitating your presence due to medical reasons. Their doctor will have to sign off on this.

Your insurance will cover the cost of any additional lodging incurred while you are under quarantine based on your unique symptoms or probable COVID-19 exposure, but it will not reimburse any pre-booked lodging fees. If you have any unused pre-booked and paid for excursions that are non-refundable, your insurance will reimburse you less the standard policy excess if you can provide documentary evidence to support the quarantine order from either the government, a public authority in the country you are visiting, or the treating doctor.

If you travel somewhere that is against FCDO guidelines, you will not be covered.

If you bought your single trip travel insurance before the change in FCDO guidelines and have not yet left, your policy will no longer give any coverage. You have the option of deferring your policy’s coverage period or requesting a full refund of your money.

If you bought your single trip policy before the change in FCDO advise and have already left, full policy coverage will apply as long as you follow all UK, local government, or equivalent instructions.

If after looking through the FAQs you can’t find the answer you are looking for you can click our live chat open Mon to Fri from 9 am to 5 pm

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Travel Insurance

Please consider purchasing travel insurance for emergency medical and evacuation coverage and for protection against trip cancellation., medical coverage.

We recognize that not everyone has medical insurance. Choosing to take a mountain biking vacation involves some amount of risk. Everyone who takes up the sport of mountain biking will fall at some point. You never know when a simple fall may result in a broken bone or a bad case of road rash.  Injuries may prevent you from continuing your trip and necessitate a visit to the emergency room.  This can get expensive, especially if you are injured in the back country where evacuation costs can escalate quickly!  We recommend purchasing Travel Insurance even if you already have medical insurance since some expenses may not be included or are not fully covered by your policy.

Trip Cancellation

Rim Tours has a cancellation policy that we must abide by to protect our ability to continue offering trips, and to protect your tour in case others cancel.  Unfortunately cancellations do happen, sometimes within the period of time where we can’t offer a refund.  In many of these instances, Trip Cancellation Insurance covers forfeited, non-refundable deposits or payments up to the limits purchased.  Please consider protecting your investment!  We often see last minute cancellations due to illness or injury of the participant or a family member and all of this would be covered by trip insurance.

Multi-Day Tour Skill Levels

Day tour skill levels.

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Mountain Biking Travel Insurance

£10m emergency medical expenses - search and rescue included and £2m personal liability standard on ALL policies.

A GUIDE TO OBTAINING A QUOTE and PRE QUOTE INFORMATION -  questions answered

please ensure you select the correct activity level  for the sports you are insuring and that you insure the full duration of your trip from the UK including departure and return dates on your Snowcard policy - for downhill skiing you will need at least Adventure Plus or Max Adventure for snowboarding

If you have any questions or need guidance on selecting your policy - email [email protected]

N.B. Insurance policies available from this website can only be used by UK, Channel Islands and Isle of Man residents.

Levels of cover

Please start typing your activity in the box below. You are covered for all activities in the level you select and those in lower levels. If you are taking part in multiple activities, make sure you select the highest level that will cover all of your activities.

What is your most extreme activity?

Please check our full activity levels information table - if you cant find a match for your activity - let us know so we can add it.

IMPORTANT - for downhill skiing , you will need at least the Adventure Plus level of cover, do not select Adventure Basic for on and off piste skiing or snowboarding.

If you are taking part in an activity that might be considered out of the ordinary or you are travelling to unusual or remote destinations , please refer full details before proceeding and we will confirm if your trip can be covered.

Annual multi-trip insurance

Cancellation cover (if selected) starts when you book each trip or on the start date entered here and shown on your Insurance Schedule, if this is later. Cover under all other sections of the policy begins when you leave home to go on a trip and ends when you return home from that trip.  The start and finish dates of the trip must fall within the 12 month period of insurance. For trips booked during the 12 month period and that start after the end of the 12 month period, we will provide cancellation cover until the policy ends. Please note that annual multi-trip policies can not be purchased more than 2 months in advance of the policy start date and must be purchased in the UK before departure of your first trip. Cancellation cover commences from the policy start date you specify here.

Single trip limits

Winter sports limits on annual multi-trip policies

Single trip policies

You must insure the full duration of your trip and purchase your insurance before departing from the UK. If you have an annual policy with another insurer and you require higher risk cover with Snowcard for a short duration only, we CANNOT help topping up another insurers policy. You must insure your full trip duration with Snowcard for your policy to be valid.

If you select cancellation cover, it takes effect from the date of policy purchase until your departure date. The insurance for personal belongings, equipment and techno pack (if shown on your Insurance Schedule) is only valid if you have insured the whole duration of each individual trip and starts when you depart from the UK. If you have a Snowcard annual multi trip policy at a lower level of cover, you can purchase single trip top up cover  (medical and emergency expenses only) at a higher level for short durations.

The age band selected must be that of the person who is the lead insured name or the oldest person in the family or group. If a group member is older than 56+, it will be cheaper for the group if the older traveller is insured seperately. For persons aged over 75 contact  https://www.biba.org.uk  for advice.

For annual multi trip policies, use the age band applicable on the policy start date. For single trip policies, use the age band applicable on the date of departure.

Please note a family is 1 or 2 adults and up to 4 children up to the age of 18 – a couple is 2 persons married or living together as married – a group is 2 or more persons travelling together on the same holiday. 

To insure a minor <18 travelling alone, the parent must register their details but insert the name and age of the child when prompted to enter the name of the person to be insured.

Mountain Bike Travel Insurance

Snowcard are pleased to offer mountain bike travel insurance, discover our mountain bike holiday insurance  - perfect for your exhilarating mountain biking adventures!

Mountain biking has seen the biggest growth in mountain sports in recent years and increasingly more Snowcard clients each year head to the Alps and further afield with their mountain bikes after they have packed away their skis and boards for the summer months. 

Whether you are a trail rider or a downhill adrenalin junkie, in the event of an accident Snowcard has you covered. We provide specialist downhill mountain bike travel insurance tried and tested over many years. Whilst ordinary travel polices might cover cycling, most don’t cover specialist mountain bike activities.

Snowcard has been providing specialist adventure activity holiday insurance since 1990 and it’s safe to say that we have the experience and truly understand our customer’s requirements when it comes to mountain bike insurance. 

Before you set off on your mountain biking holiday adventure please be sure to check our full range of activities covered for more information as we offer the following 5 cover options;

• Adventure basic
• Adventure plus
• Max adventure
• Extreme adventure
• Pro adventure

Each level will cover progressively higher risk mountain biking and holiday sports activities. For instance, if you are taking part in amateur competitive events, downhill, or dirt jumping, then you would need to select either extreme or pro adventure cover. Use the 'find my level of cover' tool above to select the correct policy option.

Mountain Bike Holiday Insurance Why Do I Need It?

As we all know mountain biking is a high-speed high-adrenaline sport over rugged and rough off-road terrains and there are many associated risks of injury and accidents. Unfortunately, collision and crashes can happen mountain biking and we see more claims from mountain biking than any other sport. These might include shoulder and arm injuries, back and head injuries and pretty much every other part of the body! With typical claims exceeding £1500 travel insurance is vital but our mountain bike travel insurance also covers search and rescue and repatriation which cheaper or general policies will not include. 

With mountain biking travel insurance from Snowcard, you can enjoy your adventure with peace of mind and security that the UK’s longest established specialist provider of mountain bike holiday insurance insures you.

Snowcard policies are completely flexible and we provide you with the freedom to tailor your policy and select your own sums insured including your bike. But more importantly, all Snowcard policies come with a 24/7 specialist worldwide emergency service. Together we provide all of our customers with a personalised and tailored service to ensure that we have the right mountain bike holiday insurance for you.

We also provide cover for a range of other cycling activities such as cycle touring, for more information visit our cycling travel insurance page.

Mountain Biking Top Worldwide Destinations

If you're new to mountain biking or maybe just looking for some inspiration for your next adventure, then be sure to have a look at 5 of the most incredible places to ride according to Redbull.

From the giddy high of Saint-Luc, Switzerland, through to the rocky peaks and glaciers of the Tarentaise valley in France, your next mountain biking adventure awaits!

Finally, remember your mountain bike holiday insurance, and insure your adventure with Snowcard.  At Snowcard we also offer downhill mountain bike insurance and also downhill mountain bike travel insurance, explore our services today .

If you would like to find out further information about our mountain bike holiday insurance then please get in touch with Snowcard by using our contact form or by email . We would be more than happy to answer any queries or questions you may have about our mountain bike travel insurance. 

Enjoy Your Adventure!

What mountain bike insurance do i need.

Snowcard Insurance have specialist mountain bike travel insurance for a wide range of mountain biker needs.

We offer specialist emergency and rescue expenses cover for the following MTB activities:

Mountain biking – cross country and trail riding.

Mountain biking – all mountain, downhill, enduro, freeride and dirt jumping., mountain biking on high altitude trails (e.g. himalayan or alpine destinations over 3000m)., why use a specialist mountain bike travel insurance provider.

There are considerable high risks with mountain biking including collisions, crashes and accidents. Injuries to the head and upper limbs are a common occurrence but mountain bikers are susceptible to potentially expensive and life changing injuries.

A specialist travel insurance provider will cover you for injuries you sustain whilst mountain biking and importantly include search and rescue as well as repatriation. A standard travel policy will not cover you for most higher risk situations that will occur when you are mountain biking and it is unlikely the claims handlers will have the necessary expertise to deal with more complex situations in mountain resorts. 

A specialist Snowcard policy will offer you the insurance protection you need.  Snowcard cover has been tried and tested for 30 years with a claims service geared up to respond in a crisis including 24 hour assistance from International Medical Rescue.

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Mountain Biking: Your Top 4 Travel Insurance FAQs Answered

Looking to hit the trails this summer season? Travel insurance can not only cover you as the rider, but in some cases, the bike you ride—even for downhill mountain biking! Below, we answer the most frequently asked questions we’ve received from Canadian mountain biking enthusiasts.

Do I need travel insurance if I’m going mountain biking in another province?

While your provincial healthcare plan will cover medical emergencies within Canada, it won’t cover everything . If you do have an accident and need an air and/or ground ambulance, essential medical supplies like a wheelchair or crutches, and more, you’ll want to consider Emergency Medical Insurance to cover these expenses. Otherwise, an air evacuation alone can leave you thousands of dollars out-of-pocket without travel protection.

What kind of travel insurance do I need?

TuGo’s Traveller policy defines downhill mountain biking as: “Biking down mountain trails or rough mountain terrain (whether as part of a race or not) and often features jumps, drops, rock gardens or other obstacles. It often requires the use of mechanical lifts or elevators”.

If this is how you like to ride, here’s what you need to know to ensure you have the right travel insurance coverage:

• Comprehensive Emergency Medical Insurance – Emergency Medical will cover you from hospital services (when travelling outside of Canada) to ambulance services to emergency dental care.
• Sports & Activities Coverage – For downhill mountain biking, you’ll need to add Sports & Activities Coverage to your Emergency Medical policy.
• Consider adding on Trip Cancellation & Trip Interruption if you’ve reserved flights, tours, or accommodations in advance. Plus, if your travelling companion is injured on the trip, you’ll be covered by Trip Interruption if you have to cut your trip short or return home early (that is, if their claim meets the policy’s terms and conditions).

What about bike competitions?

If you purchase Sports & Activities Coverage with Emergency Medical Insurance, you’ll be covered, as per the definition of downhill mountain biking, stated above.

What about bike theft?

Baggage Insurance covers lost, damaged or stolen bikes, up to 25% of your sum insured amount, only if checked as baggage with a common carrier, defined as: “A boat, cruise ship, airplane, bus, taxi, train or other similar vehicle that is licensed, intended and used primarily to transport passengers for hire”. Once you’ve arrived at your destination, if something happens to your bike, you’d claim that under homeowner’s or renters’ insurance.

Note : If you’re a professional mountain biker, professional/occupational equipment is excluded under Baggage, so your mountain bike wouldn’t be covered—even when checked in as baggage.

If you have any other questions about mountain biking and travel insurance, leave a comment below!

Safe travels, Melissa

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Mountain Biking Insurance For Guides, Camps, Events, Instructors

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What is mountain biking?

Mountain biking is a thrilling activity that involves riding a bicycle on different types of off-road terrain. It is an excellent way for riders to exercise while connecting with nature. This sport is dynamic and requires the rider to have endurance, speed, and balance between working through the mountain trails. Many bikers join mountain bike organizations to travel in groups. 

Mountain biking paths can range from a rocky and challenging uphill path to a peaceful ride on scenic trails. The types of mountain biking include trail riding, cross-country cycling, downhill biking, all-mountain, and Enduro. No matter the difficulty of the path the rider chooses, they will get an incredible workout for their legs and strengthen their cardiovascular system. 

Does mountain biking have health benefits? 

Many people prefer mountain biking as their favorite form of exercise instead of going to the gym. This preference is because mountain biking is highly beneficial for the riders’ health. It also allows people to explore the outdoors. Mountain biking is a great full-body exercise that will also help with improving stamina and coordination. When riders go mountain biking regularly, they can expect to see some building, toning, and strengthening their muscles. 

Is mountain biking risky?

The degree of risk in mountain biking depends on the terrain. For example, the risk is not very high if a rider is on an easy trail that is relatively flat with a smooth surface. However, mountain biking can be hazardous for the more advanced terrains. For instance, the risk level increases when the trails are steep, with significant drop-offs and large rocks that are hard to avoid.

Common injuries in mountain biking

• Skin Abrasions
• Joint Sprains
• Broken Collarbone

According to a study , 70% of mountain biking injuries that result in hospitalization are due to mountain bikers falling off their bike. These most severe falling cases are due to rugged terrain that causes the biker to lose control. So, suppose you are thinking about going on rough and steep terrain. In that case, you should be taking the correct precautions to help reduce injuries. 

Mountain Biking Risk Management Strategies

A mountain biking organization should have risk management practices to help avoid severe injuries due to accidents. It could also help the organization prevent lawsuits from potentially avoidable accidents on the mountain. 

The following are strategies that your organization can begin to implement for risk management: 

• Correct Equipment: Mountain bikes differ from the regular road bikes used on paved roads. They have larger, flatter tires for stability, increased up-right cycling position, and raised suspension. All of these characteristics contribute to a better ride for mountain bikers. Therefore, mountain riders must use the correct bike to handle the trails’ terrain better. 
• Matching Experience To Trail: The riders should not take on trails above their experience level. Some paths are much more complex than others. IIf an inexperienced rider goes on a route that their skill level does not suit, it may result in injury. 
• Training: All bikers should know and understand the mountain bike mechanics. They should feel confident with the equipment before going on a mountain trail. The rider should be aware of how to adjust the bike saddle, the height of pedals, the brakes, and the helmet’s position so that they can ride comfortably. 
• Mechanical Issues: Before going out for a ride, check the mechanics of a bike. The brakes, handlebars, and steering gears should be in top-notch condition.
• Liability Waivers: Mountain biking is for all ages. Therefore, it is helpful to protect your organization by getting the patrons to sign a liability waiver . If the rider is under 18, they need to have a guardian sign a specific liability waiver on their behalf. These liability waivers will help the riders understand mountain biking risks and their responsibilities. As well, it could help release some liability off of your organization. 

Mountain biking in different weather conditions

Another risk management tactic you can implement is preparing for the forecasted weather conditions. As mountain biking is an outdoor activity, you must consider the weather before sending bikers onto the trail. Ideal weather for mountain biking is when there are clear skies and mild temperatures. However, with additional steps, bikers can still explore the trails when it’s raining. Bikers will need to add heavier lubricant on their chains, throw on mudguards, wear waterproof attire, and bike at a slower pace to ride in the rain safely. Of course, no one should be out biking if there is a forecast for lightning outside as it is incredibly unsafe. 

The benefits of mountain biking insurance

By nature, mountain biking can be a hazardous sport. If your organization is responsible for mountain bikers exploring off-roading terrain, you could be liable for injuries that happen. No matter what type of risk management practice you choose, the uncertainty of the mountain paths can still cause accidents that are hard to prepare against.

Getting a comprehensive mountain biking insurance package will be highly beneficial to help limit your organization’s risk. Adding specific insurance policies could help protect your business against lawsuits. These lawsuits could end up costing your organization a lot of money, even if you were not negligent. 

Adding a solid general liability policy to your package can help with the possible financial losses from lawsuits arising from bodily injury. In addition, an Accident policy pays medical bills on behalf of injured participants, usually after existing family insurance has first responded. 

Get mountain biking insurance that fits your business. 

Protecting yourself and your business is essential to owning a thriving business. With an excellent insurance policy, you can avoid the unwanted stress of the unknown and get the peace of mind you deserve. Sadler Insurance offers a comprehensive mountain biking insurance plan that is customizable for your organization’s needs.

When working with Sadler, you can expect broad coverages and competitive rates with savings up to 38%. We have been in business since 1957 and can help protect your business from significant financial damages. So get a quote now and let Sadler Insurance become an integral part of your risk management practice and help reduce your liabilities.

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Peace of mind for your Morzine Holiday.

Morzine mtb holiday insurance.

We've partnered up with Yellow Jersey Insurance to offer the best possible Morzine MTB holiday insurance, covering everything you need as a mountain biker from holiday cancellation, injury cover, Corona virus cover & the genuine cost of your pride and joy.

Morzine MTB Holiday Insurance

Mountain biking is a dangerous sport and it is essential to have yourself covered at home & when holidaying abroad. We have joined forces with the team at Yellow Jersey Insurance to provide you with genuine MTB holiday & bike insurance policies that cover your every need as a mountain biker traveling to the Worlds biggest bike park, including medical expenses and emeragancy rescue costs. These packages are available for short term holidays or on an annual basis to cover yourself & your bike year round. Unlike most insurance companies Yellow Jersey genuinely cover the mountain biking that you do, this includes racing of any kind, riding downhill & much more. Yellow Jersey work for you and won the insurance industries "Claims team of the year 2021". All policies purchased after the 4th March 2022 now include Corona Virus cover! ‍

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Travel Insurance for Mountaineering: What are the limits?

Last Updated: June 4, 2019 November 17, 2023

Adventure travel is at an all-time high, and is one of the most common reasons travelers buy travel insurance – for medical coverage during the length of their trip. Many adventurous travelers with planned mountain climbing excursions turn to travel insurance as an extra precaution, however depending on the specifics of the climb, there may not be coverage.

Many travel insurance policies cover hiking and exclude mountain climbing, but the difference between the two isn’t always clear to travelers.

How Are You Climbing?

Travel insurance policies typically differentiate hiking from mountain climbing or mountaineering by the use of equipment. If ropes or guides are used, for example, the activity usually meets the definition of mountain climbing. Travelers planning excursions that fall within this category should look for a policy with Sports & Activities coverage.

How High Are You Climbing?

Travel insurance for mountaineering typically restricts coverage to a certain height. While most policies limit coverage to 15,000 feet, some only extend coverage to 11,500 feet. Any injuries sustained above the listed height will not be covered under the policy, so it is important for travelers to always compare their coverage with their climbing itineraries to make sure their excursion is covered.

How Are You Getting Down?

While some standard policies can provide coverage for mountain climbing, they may not cover other adventure activities travelers plan to participate in while they are on the mountain or on their way back down. Travel insurance policies with Sports & Activities benefits can cover a wide array of mountain-related activities that are often excluded from standard policies, such as mountain biking, ice climbing, and skiing.

To search for travel insurance for mountaineering, travelers can use Squaremouth’s Adventure Travel Insurance activity selection matrix.

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