Mountain Biking Travel Insurance

What is mountain biking?

Mountain biking is an off-road cycling activity that takes place on rough trails, hills and uneven terrain. It requires strength, control and endurance, and includes everything from gentle woodland paths to more technical downhill routes.

Do I need travel insurance for mountain biking?

Yes. Mountain biking can involve falls, uneven ground and unpredictable conditions. Travel insurance can help cover medical treatment and trip cancellations if you're riding abroad.

Why choose us?

• Specialist cover for mountain biking and outdoor activities
• Customisable policies for solo riders or group adventures
• Cover for beginners and experienced mountain bikers
• No hidden exclusions – clear, flexible cover

What is included in mountain biking travel insurance?

Mountain biking travel insurance typically includes emergency medical cover, personal accident protection, repatriation and cancellation if you're unable to travel due to injury or illness.

Does standard travel insurance cover mountain biking?

Often not. Most general policies exclude activities considered high-risk. You’ll need a policy that clearly includes mountain biking.

Can I get mountain biking insurance with a medical condition?

Often, yes. Declare your condition during the quote process and we’ll assess your eligibility and explain any applicable terms.

Is there a maximum age for mountain biking travel insurance?

Many policies offer cover up to age 65 or 70. If you're healthy and active, options are usually available. Always review the provider’s terms.

Top international mountain biking destinations

• USA – Iconic trails in Moab and the Rocky Mountains
• Canada – Whistler and North Shore terrain
• UK – The Lake District and Scotland's natural trails
• France – Alpine routes and forest paths
• New Zealand – Queenstown and Rotorua for diverse landscapes

What to pack for a mountain biking trip

• Helmet and basic safety gear
• Weather-appropriate clothing and cycling shoes
• Repair kit including spare tubes and a pump
• Water, snacks and a hydration system
• Navigation tools such as a GPS or trail map
• Personal ID, insurance details and emergency contacts

Common mountain biking injuries and how insurance helps

Mountain biking can result in:

• Fractures or sprains from crashes or falls
• Scrapes, cuts or bruises from trail conditions
• Head injuries – even with helmet use
• Dehydration or exhaustion on long routes

Insurance helps cover treatment, emergency transport and any missed parts of your trip due to injury.

Tips for safe and enjoyable mountain biking

• Wear a helmet and suitable protective gear
• Check your bike before every ride
• Know your limits and ride within your ability
• Stay hydrated and rest when needed
• Respect the trail and other riders