Why do I need mountain bike insurance? Well mountain biking has its own unique set of thrills and challenges. It’s also something lots of insurers baulk at, but not Yellow Jersey. We’ve designed our mountain bike insurance to cater to the specific needs of mountain bikers of all abilities.

There’s no point shelling out on a top-spec mountain bike and being afraid to ride it in case it gets damaged, or being wary of putting it in your car to transport it to the head of a trail. That’s why our mountain bike insurance policies offer coverage for accidental damage (including crash damage) and theft from vehicles.

Get mountain bike insurance tailored specifically to your needs: get a quick and easy quote by clicking below, or keep reading on for more info about our policy.

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Why do I need mountain bike insurance?

Our Performance bicycle insurance package insures your mountain bike against accidental damage (including crash damage), and has a single bike limit of £5,000. Your bike is also covered against vehicle theft if stolen from a locked vehicle, or when locked to a bike rack. This gives you the peace of mind to ride hard, and the freedom to take your bike direct to the best trails.

If you’re competing, the Ultimate package is for you. This keeps you covered while racing in MTB events, and boosts the single bike coverage to £15,000.

mountain bike insurance


Keep your mountain bike covered whatever the trail throws at it, and enjoy the freedom to ride hard and fast. Enjoy the freedom of adrenalin-soaked downhill, enduro epics and easy days of all-mountain exploration.

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Our Bicycle Insurance has your bike covered, and we can cover you too. Riding MTB has its own set of risks, not all of which are covered on generic travel insurance policies (in fact some specifically exclude it). We’ve designed our cyclist travel insurance policy to cover you against medical mishaps wherever your passion for thrashin’ takes you.

The Key Features

With mountain biking, it’s a case of go hard or go home. You’ve spent money on a bike that can handle being ridden hard, so you deserve to enjoy it. Should the trail cause any damage to your bike, or should you take a spill, our policies have got you covered.


Airports can be risky places for bikes, with luggage handlers not always appreciating the value of the machines they’re chucking through the air. Our Performance and Ultimate package cover your bike while in the care of airlines, letting you fly in comfort.


We supervise our service-driven claims process from the Yellow Jersey head offices, meaning that if you need to make a claim, you’ll be put through to an agent who conveys the expertise and confidence we pride ourselves on. You won’t be read a script by a clueless drone.


Our Ultimate package covers your bike anywhere in the world for 120 days, giving you access to the best trails around the globe. If you’re just riding in Europe, coverage is offered in the Performance package for 30 days. The UK has some great trails, but you’ll find the best abroad.


Not everyone lives close to the countryside, especially parts of it with mountain bike trails. Our policies are designed with this in mind, and Performance and Ultimate will cover your bike against theft from locked vehicles, or while locked to a roof rack. So go, explore, and ride where the best trails are!


Mountain bike racing can be a risky pursuit, but with our Ultimate policy you’re free to compete in any discipline confident in the knowledge that your bike is in safe hands.


We cover third party claim costs of up to £2M in all of our policies, and there’s no excess to pay. This includes damage to property, costs associated with collisions with pedestrians, cyclists and drivers. This is valid everywhere except for North America (including Canada).

Racing is only covered on our Ultimate Bicycle Insurance policy

Trusted by the professionals

British Triathlon
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feefo gold trusted service 2018
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