Mountain Bike Insurance

Protecting UK cyclists for over 20 years

Key features

You love pushing yourself and your mountain bike to the limit – tearing up that off-road terrain whether it’s for competition or the pure adrenaline of the challenge. Mountain biking can take a toll on your kit, so you'll want to keep it protected. With our insurance, we can help with the cost of repairs to your bike and while yours is out of action. We can even hire a replacement bike for you. Our cover includes a range of features designed to protect serious mountain bikers, so take a look at what we can offer you today.

Mountain biker hitting a bump

Accidental Damage

Hit that corner too hard or come face to face with a pothole? We’re here to get you riding again. Excludes wear and tear.

Multi Mountain Bike Policy

Multi-Bike Discount

The more bikes you insure with us, the more you save! Include all the bikes in your shed, including family members who live with you, to receive our multi-bike discount. Maximum 10 bikes to be specified per policy. 


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Man running from car with bag over shoulder

In-vehicle Cover

Protect yourself against theft and in-vehicle theft of your bike. Our cover includes simplified lock requirements - which you can find here. In vehicle security requirements apply.

Mountain bike rescue

Cycle Rescue

Our 24/7 recovery team are always on hand to get you and your bike back to a safe location in the event of an irreparable puncture or ‘breakdown’ of your bike. You must be at least quarter of a mile from your insured location.

Bicycle with price tag attached

New for Old Cover

No bike-value depreciation when you use our approved claims service, which are all handled in-house. Our personal service means no outsourcing to third parties. Market value is available for any cycle clothing.

two bikes and a little bike

Family Cover

We can cover yours and your family’s bikes - along with your accessories - on one straightforward policy which will automatically include your multi-bike discount. Bikes will need to be specified on your policy.

MTB hire

Bike Hire

Is your bike out of action? Bike Hire is covered as part of our claims service. We can provide up to £500 to hire a replacement bike if you need one.

Mountain biking accessories


From your Garmin to your Oakley’s, light sets to Lycra, it's easy to cover your cycling accessories with us. We can cover up to £2,500 worth of accessories. Mobiles and smartphones are excluded. Only specified accessories are covered.

Our optional extras

If you want even more protection while you're tackling steep climbs, then why not take a look at our extended covers? We can provide you with protection against theft and accidental damage while you’re overseas and we can also contribute towards a cancelled race you’ve been looking forward to. So, if you've got an trip abroad planned or even if you want more protection on the trails, then have a look at our extended policies below.

personal injury

Personal Injury

Suffered an injury because of a cycling accident or road-rage incident? We can provide up to £25,000 cover for dental treatment, broken bones and physiotherapy. All incidents to have occurred whilst cycling.

extended public liability

£5m Public Liability

Up to £5million in Public Liability cover for cycling related claims made against you. Cover not extended to North America.

mountain bikers reaching finish line

Race and Compete

Whether it’s a trial or sportive, triathlon or track meet, we can be right there with you. We can cover up to £750 in race fees, £500 for travel and accommodation cover and £200 cover for clothes lost in a transition area. Pre-existing illness or injury cannot be covered.

mtb travel insurance

Global Travel

30 days of EU travel cover not enough? Extend your cover to 365 days worldwide. Includes up to £300 bike box transit-damage cover. Maximum 60 days per trip.


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