MOUNTAIN BIKE INSURANCE
Our mountain bike insurance provides protection for your bike, kit and accessories whether you’re riding in the UK or taking your MTB abroad. The policy includes cover for crash damage, theft (including from vehicles), third-party liability and legal expenses, helping you ride with confidence.
If you take part in MTB events, enduro races or downhill competitions, our mountain bike insurance can include this too, with the option to upgrade to our Performance or Ultimate tiers for higher limits and additional features. Choose annual mountain bike insurance for ongoing cover or short-term insurance for a single trip, and save up to 60% with our multi-bike discount.
Get a mountain bike insurance quote today and keep your bike protected wherever the trail takes you.
Get a mountain bike insurance quote
Mountain bike Travel Insurance – Cover for You When Riding Abroad
While our mountain bike insurance looks after your bike, our MTB travel insurance is designed to look after you. Mountain biking carries unique risks, and many standard travel insurance policies – including those from banks – may limit or exclude cover for it. Our travel insurance for mountain bikers provides protection for medical emergencies and other mishaps while you’re on your MTB holiday.
Whether you’re tackling alpine descents, riding in bike parks, or exploring remote trails, you can travel knowing your cover is tailored to the way you ride. Combine our mountain bike insurance with our mountain bike travel insurance for complete peace of mind – for both you and your bike.
Why do I need mountain bike insurance?
Finding a comprehensive mountain bike insurance policy can be tricky, particularly if you are trying to cover your bikes through home insurance.
We know mountain bikers regularly travel to bike parks across the UK, and covering mountain bike theft from vehicles is essential.
Flying to mountain bike resorts in the Alps or further afield means you likely need cover for your mountain bikes and bike boxes in transit.
Challenging yourself on difficult trails comes with a risk of crashing, and accidental damage cover means you can ride freely and confidently.
We’ve designed our mountain bike insurance policies to cover all of these risks and much more besides.
You can scroll down for the key insurance features, or you can click for an instant online quote.
We offer three separate packages to suit different types of mountain bikers, but we find our middle-tier ‘Performance’ cover is a good fit for most.
The Performance policy insures your mountain bike against accidental damage (including crash damage while riding) with an individual bike limit of £15,000 and a total bike limit of £50,000. Your bikes will be covered against theft if stolen from a locked car or van, as well as from your secure garage, house or flat. If you’re travelling out to Morzine for a holiday with your mountain bike, it will be covered against damage by the airline while in a proper bike box. All of the cover you’d have in the UK is extended to Europe for up to 30 days. Your mountain bike will be covered against theft from a hotel room and against damage on the trails.
If you’re travelling outside Europe, need cover abroad for more than 30 days, or are competing on your mountain bike, the Ultimate package is for you. This keeps you covered while racing in MTB events.
Get a mountain bike insurance quote
