Specialist mountain bike insurance

Why do I need specialist mountain bike insurance?

Mountain biking tests your body, bike and nerve to their limits. Unlike other cycling disciplines, mountain biking is a fast, exhilarating, high-impact sport which can put significant stress on your body and bike. As such, accidents are sometimes part and parcel of the sport.

That’s why having mountain bike insurance is so important. Whether you require Personal Accident in case you injure yourself, or theft and accidental damage cover for your bike, our insurance is designed to protect both you and your bike. With us, you can focus on your bike handling skills and hit those trails head on.

It’s unlikely your mountain bike is covered by your home insurance policy

As you’ll know, mountain bikes come at a cost – usually between £250 and £1,000, and even more than this in some cases! Despite their high price tag, however, many mountain bikes are not suitably covered against theft or damage.

If, for instance, you add your mountain bike to your home insurance policy, this may not provide the depth of cover you need. In fact, research has shown that one in three household insurance policies don’t cover bikes away from home. What’s more, you may have to contact your home insurer to add your mountain bike to the policy at an extra cost.

However, specialist mountain bike insurance can be better value and provide more adequate cover than home insurance in the event of injury, theft or damage.

We offer a range of cover options - build your own bespoke policy tailored to your needs.

Theft and accidental damage up to £30,000

Mountain bikes are robust and resilient, but in a collision with a rock or tree, they will usually come out second best. Over time, sustained damage to a bike will affect its performance and safety – two aspects of your bike which are paramount when negotiating technical descents.

Knowing your bike is functioning at its optimum will allow you to ride confidently. On top of this, a mountain bike’s high value makes it very desirable to thieves.

To be on the safe side, it makes sense to take out specialist mountain bike insurance. This will cover you for the cost of repairs if your bike gets damaged or to replace it if it’s stolen. We’ll replace your bike ‘New for Old’ as standard on bikes which are up to 3 years old and were bought new.

Up to £5m Public Liability cover

When mountain biking on popular trails, you could encounter other mountain bikers and road users. Therefore, collisions can happen, injuries or property damage could occur, and legal claims could be made against you.

Our Public Liability will insure you for injury to another person or third-party property damage, meaning you’re covered for the potential legal fees you could incur.

Personal Accident

The fast and furious nature of mountain biking means you’re at risk of suffering serious injuries such as broken bones. Although such serious injuries are thankfully rare, you still need to protect yourself in case they happen to you.

Our Personal Accident protection compensates you for broken bones, emergency dental work, physiotherapy, death or permanent disability.

Accessories cover

It’s not just your bike that you need to consider insuring. Good quality clothing, full-face helmets and lights help keep you safe when out riding. We are also starting to see an increase in the use of technology. Go Pro Cameras are almost a standard accessory among today’s mountain bikers.

Such accessories aren’t cheap, and can get damaged very easily. By taking out our accessories cover, you can make a claim if you have damaged any of your personal belongings when out riding. However, both your bike and its accessories must have been lost, stolen or damaged in order for you to make a successful claim.

Cover all your bikes on one policy

If you’re an avid mountain biker and have more than one bike, you don’t have to worry about creating multiple insurance policies for each bike. Our one policy covers all your bikes, so there’s no fuss or confusion.

Why choose us?

Our mountain bike insurance is provided by Cycleplan, part of Ripe. You can build your own policy tailored to you so you’ll never pay for more cover than you need. We’re confident you won’t find another policy that closely matches your needs for a lower price. With our Lowest Price Guarantee, if you take out a policy and within 14 days happen to find the same levels of cover elsewhere for less, we’ll refund the difference.

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