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 encompasses many categories including cross country (XC), enduro, and downhill (DH). It’s celebrated for its mix of adventure, physical challenge, and the thrill of navigating diverse and scenic trails.

Do I Need Travel Insurance for Mountain Biking?

Yes. Mountain biking can result in injuries from falls, collisions, or challenging terrains. If you’re traveling abroad for biking tours or competitions, travel insurance is crucial for covering medical expenses, lost equipment, and trip cancellations.

Why Choose Us?

• Specialist cover for mountain biking and high-adrenaline activities
• Customisable policies for individuals or group trips
• Protection for new 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 sports. 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

• Canada – Whistler and the Rocky Mountains offer world-class trails
• New Zealand – Queenstown and Rotorua are renowned for their scenic and challenging routes
• USA – Moab in Utah and the trails of Colorado are popular with enthusiasts
• France – Alps provide thrilling downhill experiences
• Italy – Dolomites offer stunning landscapes and varied terrains

What to Pack for a Mountain Biking Trip

• Mountain bike (suitable for the terrain)
• Helmet and protective gear (mandatory for most trails)
• Appropriate clothing and footwear
• Repair kit and spare parts
• Hydration system and energy snacks
• Navigation tools (GPS or map)

Common Mountain Biking Injuries and How Insurance Helps

Mountain biking can cause:

• Fractures or dislocations from falls
• Scrapes or bruises from trail hazards
• Concussions or head injuries without proper helmet
• 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 the bike and equipment before each ride
• Stay hydrated and energized
• Follow trail rules and respect other riders
• Plan your route and check weather conditions