Mountain Bike Insurance Thrills Covered, Spills Optional
Ride hard, hit jumps, or tackle rugged trails – Yellow Jersey Mountain Bike Insurance keeps your bike and gear protected, including e-MTBs with battery cover. Choose annual cover for year-round peace of mind or short-term cover for holiday hires or occasional rides. Protection includes theft, accidental damage, and transit mishaps so that you can focus on the adventure, not the risks.
Flexible cover for every rider. Pick Essentials, Performance, or Ultimate to match your style, riding level, and the trails you love.
As seen in
MTB insurance
MTB Insurance. Your bike isn’t just a ride, it’s your pride and joy. Whether you’re shredding trails at home, tackling downhill runs on holiday, or hitting the bike park, our cover protects your mountain bike against theft, accidental damage, and trail crashes. Choose annual cover for year-round protection or short-term cover for specific trips or events. Pair our bike policy with MTB travel insurance for complete peace of mind, on and off the trails.
MTB Travel
MTB Travel Insurance covers all the usual benefits, including medical expenses (with heli-rescue) and trip cancellation — but it’s essential when mountain biking is the main reason for your trip. Whether you’re downhill racing in Morzine or tackling the Megavalanche, the right MTB travel insurance is a must. Pair it with our bike policy for complete peace of mind.
Choose annual cover for year-round peace of mind or short-term cover for holiday hires or one-off rides.
Everything You Need to Know About mountain Bike Insurance
Our mountain bike insurance covers all the essentials, including third-party liability up to £2 million, theft protection, accidental damage, and legal expenses. Just like your e-MTB gives you a boost up the hills in Morzine, Yellow Jersey has your back when things go wrong with specialist cover for e-MTBs, including battery protection. We are the only company to offer short-term policies, so whether you are hiring a bike on holiday or only want to cover a specific ride, we can protect it. Family-friendly coverage lets you include all bikes in your household under one policy with a 60% multi-bike discount applied automatically.
We know MTB riders demand freedom on the trails, which is why our policies are designed for both hardcore downhill riders and casual trail explorers. Choose the level of coverage that suits your riding style from Essentials for everyday rides, Performance for UK and European trail adventures, to Ultimate for worldwide coverage and extreme riding, including racing.
We protect bikes valued up to £15,000, including mountain bikes, enduro bikes, downhill bikes, and e-MTBs, with coverage for frames, components, and accessories in case of theft, accidental damage, or loss.
Click the button below to get an instant online quote and ride with confidence, knowing your mountain bike, including e-MTBs, is fully protected.
Save Big with
Yellow Jersey Rewards
Mountain bikes are an investment — and with our mountain bike insurance, we’re here to help you protect and power that investment. Through Yellow Jersey Rewards, you’ll enjoy exclusive discounts on MTB essentials, from 40% off Garmin to savings on helmets, pedals, and performance gear. Whether you ride hardcore trails, hit the downhill runs, or explore rugged paths, our mountain bike insurance customers get more than just cover — they get real value back. It’s all part of our ethos to free your ride and make owning a mountain bike even more rewarding.
Find out more about our customer rewards.
Choose the Level of Cover That Fits
Pick the electric bike insurance that suits your riding:
essentials
performance
Ideal for European trail adventures.
Designed for regular riders and MTB enthusiasts, this level adds protection for charity rides and taxi cover. It includes all the benefits of Essentials, plus extended theft and accidental damage cover while you’re in Europe exploring trails and tackling downhill runs.
ultimate
Enhanced mountain bike insurance covers.
This level gives you worldwide coverage, public liability for any bike you ride. You’ll also get enhanced personal accident coverage of up to £25,000, as well as all the benefits of Essentials and Performance. Perfect for trail riding, racing including downhill, and e-MTB adventures.
Performance
Ultimate
Ultimate
Essential
Performance
Ultimate
Further A field
Accessories & Clothing
Medical
Benefits & Excess
the key features
MTB Insurance Experts
If you need to make a mountain bike insurance claim, you won’t be read a script by someone who doesn’t know what they’re doing. Our customer-driven claims process is managed completely in-house, ensuring knowledge and expertise every step of the way.
Mountain Bike Insurance Claims & Renewals
We don’t believe you should be put off making an insurance claim just because you’re worried your premiums might go up. With Yellow Jersey mountain bike insurance, we don’t charge you extra at renewal, even if you’ve made a claim. When you renew, you’ll get the same base price as a new customer, and we’ll even apply a 25% renewal loyalty discount to your premium.
Crash Damage
Crash damage is often excluded from home insurance, but with Yellow Jersey’s mountain bike insurance, you’re covered. Essentials protects your MTBs during everyday rides, Performance extends this to European trips and organised rides like charity events, and Ultimate provides crash damage cover worldwide, including racing.
DNA+
If we can discourage bicycle theft, we can lower premiums for everyone. We give new annual MTB insurance customers a free DNA+ bicycle security marking kit worth £36 with their policy. These make stolen bicycles traceable and prove that they are stolen property, making them less desirable for thieves.
Handle The Vandals
We’ll make sure everything is up to scratch if your MTB or eMTB is damaged through vandalism.
Home & Away
Whether your MTB is stolen from home, work, or elsewhere, you’re covered—even if you lend it to a family member who lives with you. All we ask is that you follow our straightforward bicycle locking requirements.
Zero Depreciation
We don’t depreciate the value of a mountain bike, so the price you paid is the value we will cover your bike for, regardless of how long you’ve owned it.
Medical Cover
All of our MTB bike insurance packages cover you for physio, dental and permanent injury.
Trusted Quality
Yellow Jersey is proud to partner with Singletrack Magazine, supporting UK mountain biking since 2001, renowned for its independent reviews, insightful opinions, and a vibrant community of riders.
Cover abroad
We provide MTB and eMTB insurance for enthusiasts, ensuring your mountain bike is protected whether you’re riding in the city, on European trails, or enjoying downhill adventures in places like Morzine.
Public Liability
All three mountain bike insurance tiers include cycling liability cover up to £2 million, protecting you and your family against third-party claims while riding any insured bike. Our Performance and Ultimate policies also extend public liability to the named policyholder when riding any bike, such as a holiday hire bike. We believe this is a key part of any MTB insurance policy, which is why it’s included as standard for everyone.
Whilst crash damage is covered across the board, racing is not covered in either the Essentials or Performance packages.
Customer Feedback
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About Us
Our love for cycling runs deep and is ingrained in every aspect of our organisation. We are avid cyclists ourselves, understanding the exhilaration, challenges, and joys that come with every ride. This passion has fuelled our dedication for more than 10 years to provide the best insurance solutions tailored specifically for cyclists.
Trusted by the professionals
