Mountain bike insurance

Protecting UK cyclists for over 20 years


Specialist mountain bike insurance from cycleGuard

Protect your mountain bike and accessories

Mountain biking can be tough on your kit, so you'll want to keep it protected. Our insurance can help cover your mountain bike, your clothing and accessories as well helping with the cost of repairs. Take a look at what we can offer you with our mountain bike cover.


Over 20 years of Guardcover, supporting your passion


Why protect your mountain bike with cycleGuard?

See how cycleGuard can protect you, your mountain bike and accessories

20 Years of Experience

We know what it takes to protect the things that matter to you.

Quick and Simple

We make it easy for you to find the right policy for your bike and kit.

0% Monthly Payment

Spread your payments across the year at no extra cost.

UK Customer Service

Our customer service team is ready to help you with all your questions.

Online Account

Your online account is an easy way to access and manage your policies 24/7.

Multi-bike Discount

Cover multiple bikes on one policy, saving you time and money.

What's included in my e-mountain bike and mountain bike insurance?

What am I covered for?

Whatever type of trail you ride, and whether it’s a hardtail or full suspension, cycleGuard has the range of cover for all types of mountain and trail bikes.

Had a bump or a scrape on your mountain bike?

If your bike is stolen from your home or damaged in a crash or accident, cycleGuard is there to help get you back on your ride. Cover available for bikes up to £20,000. Security and lock requirements apply.

What happens if your mountain bike breaks down?

If your mountain bike ‘breaks down’ or you suffer an injury and can’t finish your ride, our UK Cycle Rescue cover is there 24/7 to help you get home or to an alternative safe place. Cover applies when you’re more than a quarter of a mile away from your home.

Heading overseas with your mountain bike?

If your ride takes you outside of the UK, our cover for your mountain bike and accessories will automatically include 30 days cover in the EU. Worldwide cover option also available.

Why should you lose out when making a claim?

We understand what your bike means to you, which is why we offer genuine new for old replacement, and we don’t depreciate the value of your bike when you make a claim. Proof of purchase needed when making a claim.

Is your mountain bike covered in the car?

You can rest easy when you’re away from home and your mountain bike is being securely stored in your car or secured to your bike rack, as we automatically include theft cover for bikes left in or on unattended vehicles. Security requirements apply.

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Optional Mountain Bike Insurance

Optional extras for your mountain bike

Global Travel - For those rides that are further away, extend your cover to include 12 months worldwide. With up to £300 bike box cover and up to £150 emergency bike-hire if your mountain bike is stolen or damaged. Max. 60 days per trip.

£5m Public Liability - If you accidentally injure someone or damage their property while out cycling, we can provide up to £5m to protect against the costs of liability claims made against you. Cover only applies in the UK.

Optional mountain bike insurance

Personal Injury - Up to £25,000 cover for treatments and incidental costs following a cycling-related injury, aimed at helping you to recover and get back on the trails. Excludes pre-existing conditions.

Race and Compete - Extends your policy to amateur race events and covers the cost of up to £750 in race fees and £500 in associated travel and accommodation if you are injured and can’t make the start-line.

Which types of bikes do we cover at cycleGuard?

Cycle insurance to meet your needs

Frequently asked questions about mountain bikes

Want to find out more about our mountain bike cover?

If youre wondering what our mountain bike insurance includes, then we've answered a few questions here!

There are a host of different types of mountain bike and, depending on what kind of terrain youll be taking on, its important to choose the right type of MTB for you. The main types of mountain bike are:

Trail - Trail bikes are great for getting uphill and downhill. These MTBs are usually fitted with a decent suspension and can carry you on long-distance rides.

Downhill - Built for excitement, downhill bikes can tackle drops, steep hills and tricky terrain as long as they all head downhill.

XC/Cross Country - XC, or cross country mountain bikes are probably the most common type of mountain bike. These are lightweight and designed to go as fast as possible.

Enduro - Similar to XC or trail bikes, enduro bikes (or all-mountain bikes) are a full-suspension mountain bike and can take on harder obstacles and more technical rides.

You can definitely use a mountain bike for commuting! Mountain bikes, or MTBs, are some of the most versatile bikes available. Whether you’re hitting the trails or even the morning commute, the rough and ready mountain bike should see you there safely. At cycleGuard, we offer specialist insurance to mountain bike riders and commuter cyclists.

Mountain bike tyres usually come in three sizes. 26 inch tyres, 27.5 inch tyres and 29 inch tyres. Which tyre suits you best depends on your wheel size and the kind of performance you want to get out of your mountain bike.

Wider tyres should give you greater handling when tackling tricky corners, while narrower MTB tyres should give you more speed when heading downhill.

If your policy start date is from the 1st March 2022 onwards:

We will reimburse you or a member of your family for the cost of a single taxi journey, up to a maximum of £200, to your onward destination or insured location with your insured bicycle, if you are unable to complete your cycling journey in the event of:

  • the theft of the insured bicycle, or
  • accidental damage to the insured bicycle, or
  • irreparable breakdown of the insured bicycle, or
  • irreparable puncture to the insured bicycle, or
  • an injury whilst cycling the insured bicycle.

Cover applies within the United Kingdom only, and for incidents that occur more than 1 mile from our insured location. A valid receipt from a registered taxi company will be required as proof of expenditure, which can be included within your claim.

If your policy start date is before the 1st March 2022:

You will receive a contact number for "Call Assist" the recovery breakdown providers. We would recommend that you store this number on your mobile phone or in an accessible place when you are out cycling. Call Assist have over 1,500 recovery agents and will despatch the nearest one to recover you and your bike. They will then travel to your location and transport you to the nearest one of the following:

  • A suitable cycle repair shop
  • An appropriate railway station
  • A car rental agency
  • The nearest overnight accommodation
  • Your home

It's important that when you're looking for a new mountain bike, that you choose a bike that has the right frame size to suit you.

Heres a handy guide which will show you what size frame of mountain bike you'll need!

Electric mountain bikes, or e-MTBs, have the same construction as a standard mountain bike or downhill bike, but are able to give you a boost up steep climbs with the help of a motor. Electric mountain bikes usually have their motor either in the bottom bracket between the cranks or within the rear wheel hub.

In order to be classed as an electric bike, they cannot be subject to the UK Road Traffic Act requirements. We can cover eBikes that meet the following specification:

  • Any electrically-assisted pedal cycle (EAPC) that must still be powered by human pedalling and is only being assisted by electrically-motored power
  • Does not require any key or ignition switch
  • Has a motor with a maximum continuous rated power of 250W
  • Has a motor with a cut-off, when unassisted, at 3.7mph
  • Has a motor with a cut-off, when assisting whilst being pedalled, at 15.5mph

We are unable to cover any form of speed pedelec, speed eBike, e-scooter, e-moped or e-motorbike. We can only cover an EAPC or electric bike if it is being ridden by someone aged 14 or over.

Yes, we can insure your electric mountain bike, although there are certain types of electric mountain bike that we cannot cover. Our electric bike cover automatically includes any fire damage caused through an electrical fault.

We can insure e-mountain bikes, or e-MTB's, that meet our eBike specification (see 'What type of e-mountain bike can cycleGuard cover?') and are ridden within the legal requirements of the UK, as well as any other country that you take your insured electric mountain bike to. You must be at least 14 years old to ride an electric bike in the UK.

Electric mountain bikes, or eBikes, are classified as a bike with a motor limited to 250 watts which cuts-out at 15.5mph, are not considered to be a motor vehicle in the UK and do not need to be insured.

The battery life on electric mountain bikes will differ depending on your battery and how rigorous a ride you put it through. In the UK, electric bike batteries tend to either be made of Lithium or Polymer Lithium-ion.

Polymer Lithium-ion batteries on your eBike usually last longer. The average eBike battery these days should be able to take you around 40 miles on a full charge.

You must be 14 years or older to ride an electric mountain bike in the UK.

The minimum age for the main policyholder is 18. You can include your family members and their bikes on your cycleGuard policy, but we cannot cover anyone under the age of 14 for an electric bike.

Public Liability is known by a couple of different names, personal liability or Third Party Liability. It provides cover against damage to persons or property caused by your proven negligence. At cycleGuard, we will pay up to £5million to indemnify you or a member of your family against legal liability for accidental bodily injury or death to any person or accidental damage to third party property which arises from use of your mountain bike. Cover is available for those aged 16 or older.

It's particularly important that you have proof of ownership of any major mountain bike parts and locks. Proof of this could be packaging, manuals or photo of all the relevant parts, clearly showing the make (and model if applicable) of that item.

In addition, bank or credit card statements can be provided and, on some occasions, retailers may be able to provide duplicate receipts for larger purchases.

Yes, we can cover yours and your family’s bikes on one policy, which will automatically include your Multi-bike Discount, with a maximum combined value of £20,000. If you're looking for insurance for mountain bikes and electric mountain bikes over this amount, then please contact us by either:

Your mountain bike will be covered for use by other members of your family. A family member means parents, spouse, partner, siblings or children / step children, but only when living at the same insured location (where your insured bike(s) is usually kept, which should also be your main place of residence). Our electric mountain bike cover is only available to cyclists aged 14 years or over.

Our Race and Compete cover option will also extend cover to riders at the same cycling or triathlon club.

The value should be the current, new undiscounted cost including VAT from a reputable dealer at the time you apply. End of season offers, and bargains do not count as the usual price.

We are able to offer a quotation up to a maximum value of £20,000 for individual mountain bikes or multiple bicycles. You can insure up to 10 bicycles on one policy providing the total value does not exceed the £20,000 limit.

If you have a mountain bike or bicycles over that value, we may be able to offer you a quotation. You can either call us for your individual quote on: 0333 004 3444, or alternatively you can email us at:

Yes. You must be a UK resident and domiciled in the UK.

Yes, the excess amount will depend on the type and value of the claim.

  • Claim amount is under £1,500 = excess of £50
  • Claim amount £1,500 to £2,999 = excess of £100
  • Claim amount £3,000 to £4,999 = excess of £150
  • Claim amount is over £5,000 = excess of £200

For Public Liability claims, the first £500 of each claim arising from damage to third party property.

Yes, you can make changes to your policy by simply logging in to your online account here, or by calling us on: 0333 004 3444

You can add or delete insured items and change some aspects of your policy. Note that additions will incur additional costs. Additional premiums are charged on a pro rata basis from the date of change. Any cover options that you choose can only be added or removed when you first buy the policy or at renewal.

The minimum age for the main policyholder is 18. Public Liability and Personal Accident cover (if you have chosen to include this on your policy) will only apply to anyone aged 16 or over at the time of any incident, and total permanent disablement cover is only available for anyone aged 65 or under.

You must disclose any criminal convictions which have not been spent under the Rehabilitation of Offenders Act 1974. If you are in any doubt as to whether this applies to you, you should call us to discuss your individual circumstances.

You need to tell us about any cycle related losses or claims you have had within the last three years, whether insured or not. It is important that you make an honest disclosure of any previous claims or losses, as this could invalidate your cover.

Yes, your policy will cover you for 30 days in the EU as standard, with the option to extend to annual worldwide cover (maximum 60 days per trip).

Please note that the Cycle Rescue cover, Claims Bike Hire and Public Liability cover option only applies to the United Kingdom. Public Liability cover is excluded from North America.

Provided your mountain bike is suitably packed in a bike bag or box and you have a receipt from the airline that your MTN bike was checked onto the aircraft, then your bicycle would be covered against accidental damage. While under the responsibility of your transport provider, we don’t include cover against theft.

Extend your cover to include our Global Travel option and your bike box will be covered for up to £300 for accidental damage.

When your mountain bike is within the direct boundaries of your insured location (where your insured bike(s) is usually kept, which should also be your main place of residence), and if it is not being stored in a fully enclosed and locked building or cycle storage unit, your bike needs to be locked to an immovable object through the frame of the bike, with an approved lock.

If the bike is stored in a communal hallway it will only be covered if the hallway is on the same floor as your insured location and, again, your bike needs to be locked to an immovable object, through the frame of the bike, with an approved lock. The same lock requirements apply if your bike is stored in a “Communal Cycle Storage Area”.

When you are away from the home, such as at a campsite, you would be able to lock the bike to an immovable object with an approved lock, through the frame of the bike and leave it unattended for up to 24 hours.

Yes, we can cover mountain bikes stored in a “Communal Cycle Storage Area” providing they are locked through the frame to an immovable object with an approved lock.

We class a Communal Cycling Storage Area as: a fully enclosed residential cycle parking specific compound that is securely locked (only accessible through a lockable entrance which can only be opened by key or access code) and specifically dedicated to your insured location.

Providing you follow the security and lock requirements (you can find these here) your mountain bike is covered whether at home, work or out on the trails anywhere in the UK and for up to 30 days in the EU.

It's very important that wherever you leave your bike, that it is securely locked through the frame, to an immovable object with an approved lock and is not left unattended, when you are away from your insured location, for more than 24 hours.

Yes, the requirements are quite specific in terms of types of locks and security devices. For more details, see our policy wording or take at our lock requirements here.

You need to include the value of your bike and any fixed accessories or replacement parts when taking out the policy. If you buy accessories later and add them to your bike, you can update the value of your bike through your online account or call on: 0333 004 3444

It is a condition of your insurance that you use an approved lock appropriate with the value of your mountain bike. You can find our approved locklist which details our requirements here. Our approved lock list has been created to make sure that the best level of defence is being provided against cycle theft. When the lock is in use, it must be placed through the frame of your bike and secure the bike to an immovable object

For your mountain bike to be covered and for any claims to be successful you must make sure that the lock that you are using is in-line with our approved lock list and the security requirements.

Making a claim with cycleGuard

We’ve made making a claim so easy

If your mountain bike has been stolen or damaged, we know how distressing it can be. That's why we'll do everything possible to deal with your claim promptly and get you back out riding again. Our easy-to-use claims process is listed below with some helpful information regarding what to do if you need to make a claim.

1. Call the police

If youve been the victim of theft or malicious damage to your mountain bike, your first port of call should be to inform the police.

2. Contact our claims team

Contact our in-house UK team to make your claim. You can call us on:
0333 004 1999 to get started, or alternatively, you can email us with details of your claim at:

3. Make your claim

We'll provide you with your claim reference and talk you through the next steps. Should we need any further information to help process your claim, we can explain what's needed and support you.


Your policy document explorer

For customers whose policy started before 1st January 2021, you can access your policy documents here.

Existing customers: If you have an existing policy before September 23rd 2019, then you can contact our team for information on your policy.

You can email us at: or call us on: 0333 004 3444

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