Mountain Biking Travel Insurance

What is Mountain Biking?

Mountain biking involves riding bicycles off-road, often over rough terrain, using specially designed mountain bikes. It emphasizes endurance, skill, and balance across a variety of trails and gradients. Popular among adventure seekers, it can range from gentle rides to extreme downhill races.

Do I Need Travel Insurance for Mountain Biking?

Yes. Mountain biking can lead to injuries from falls, collisions, or challenging terrain. If you’re traveling for biking events or exploring remote trails, travel insurance is crucial for covering medical expenses, equipment loss, and trip cancellations.

Why Choose Us?

• Specialist cover for mountain biking and high-adrenaline activities
• Customisable policies for individuals or group trips
• Protection for novice riders and experienced mountain bikers
• No hidden exclusions – transparent cover for adventure sports

What Is Included in Mountain Biking Travel Insurance?

Our mountain biking travel insurance includes emergency medical cover, personal accident, and repatriation. It also includes equipment protection, cancellation cover, and personal liability protection in case of accidents on the trails.

Does Standard Travel Insurance Cover Mountain Biking?

Typically, no. Most basic policies exclude high-risk activities like mountain biking. You need a dedicated policy that specifically includes mountain biking for full protection.

Can I Get Mountain Biking Insurance with a Medical Condition?

Often, yes. Declare your condition during the quote process. We'll assess eligibility and provide guidance. Additional terms may apply depending on your medical history.

Is There a Maximum Age for Mountain Biking Travel Insurance?

Many policies offer cover up to age 65 or 70. If you’re in good health and regularly active, options are still available. Always check the individual provider's terms.

Top International Mountain Biking Destinations

• USA – Famous trails in Moab, Utah and the Rocky Mountains
• Canada – Whistler and the North Shore's challenging terrains
• UK – Lake District and Scotland's natural trails
• France – Alpine routes and downhill adventures
• New Zealand – Queenstown and Rotorua's diverse landscapes

What to Pack for a Mountain Biking Trip

• Mountain bike (with protective case)
• Helmet and full-body protective gear
• Repair kit and spare parts
• Hydration pack and energy snacks
• Navigation tools and trail maps
• Personal ID, insurance documents, and emergency contacts

Common Mountain Biking Injuries and How Insurance Helps

While mountain biking is exhilarating, it can also be hazardous:

• Fractures and dislocations from falls
• Scratches or bruises from trail obstacles
• Concussions or head injuries without proper helmets
• Dehydration or exhaustion on long rides

Insurance helps with medical care, transport, and refunds for missed events due to injury.

Tips for Safe and Fun Mountain Biking

• Always wear a helmet and appropriate safety gear
• Check weather conditions and trail difficulty before heading out
• Maintain your bike regularly
• Respect trail rules and other riders
• Stay hydrated and energized