Damage to your mountain bike
Mountain bikes are robust and resilient, but in a fight against a rock or a tree, they will usually come off 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. Remember, crash damage isn’t included in a lot of home insurance policies. This catches many mountain bikers out, so to be on the safe side it makes sense to take out specialist cycling insurance. If you damage your bike, our mountain bike insurance will cover you for accidental damage, covering the cost of bike repairs or a replacement.
Damage to your kit
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. The safer you feel, the more fun you will have.
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. However, clothing and such accessories aren’t cheap and they can get damaged or be lost very easily. By taking out our bicycle accessories option, you can make a claim if you have damaged or lost any of your personal belongings when out riding.
Cover if you’re to blame
When out mountain biking, it’s highly unlikely you’ll come into contact with cars but on popular trails you could encounter many other mountain bikers. Our public liability cover will insure you for any accidental damage you cause to another person or their property.
Personal accident cover
Our cycling insurance provides personal accident cover for death or permanent disability, should you happen to fall off and seriously injure yourself. But it also provides financial compensation if you were to break or fracture certain bones or required emergency dental work.
Cover if you get injured
The very nature of mountain biking is a breeding ground for broken bones, cuts, bruises and dislocations. Although serious injuries are thankfully rare, it’s imperative you are covered should an accident and resulting injury arise.
Through our personal accident policy, you are covered if you suffer a serious injury that results in death or a permanent disability.
Get an instant quote today for mountain bike insurance and benefit from our introductory discount.