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Tackle any trail with specialist mountain bike insurance
Owning a mountain bike is an investment in adventure, but it doesn’t come without risks, such as theft, accidental damage, and unexpected incidents on the trails. Specialist mountain bike insurance, also known as MTB insurance, means you’re covered whether hitting rugged trails, commuting, or competing in races.
Why choose Cycleplan for mountain bike insurance?
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Your ride, your insurance
No off the rack policies here. Choose your cover so you only pay for what you need – whether commuting, exploring, or just rolling.
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Electric powered cover
Cover needn't be an uphill struggle. Give your freedom a boost by choosing cover to protect your bike adventures.
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Got a few bikes? No problem.
You can protect all your bikes on one policy. There’s a 10% premium discount available on all bikes too (excluding the bike with the highest value).
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Trusted by many, provided by specialists
Rated Excellent on Trustpilot and with insurance provided by Aviva, you can trust us to help keep you protected.
What does mountain bike insurance cover?
Mountain bike insurance
- Theft and damage of your MTB and accessories up to £30k
- Public liability up to £5m
- Personal accident – covers emergency dental, hospitalisation, physiotherapy, and more up to £50k
- Loss of earnings up to £750 per week
- Replacement bike hire up to £1k
- Competitive use – extends your normal cover when you enter a competition
- Race fees – non-refundable race fees covered up to £250
- Taxi fees – covers the cost of getting home following an accident by up to £50
- Multi trip abroad – you can select both European and Worldwide cover up to 45 days for any one trip
- Multi-bike policy
- Claims where Evidence of Ownership cannot be provided
- Theft where the security requirements haven’t been met
- The use of the bike for trade or business purposes (excluding commuting to or from work)
- Public Liability under the age of 16
For more information and the full list of what’s covered and not, visit our important documents page.
Remember, the policies we arrange are provided on the basis that bikes left unattended are secured to an immovable object using either a Sold Secure rated lock or Thatcham approved lock. You can learn more about the security requirements here.
Why consider mountain bike insurance?
Mountain biking is an exciting and rewarding sport. But as with all outdoor hobbies, accidents can happen, even if you follow mountain biking safety advice. Let’s say you damage your bike on a jump and end up stranded in the countryside—specialist mountain bike insurance could cover the cost of replacing your bike and the taxi ride home, so you can get back to exploring in no time.
Worldwide mountain bike insurance
Ride abroad hassle-free with our Worldwide and European policy option
A mountain biking holiday is an incredible way to explore new landscapes, tackle challenging trails, and immerse yourself in adventure. Whether you’re training in the mountains of Spain, exploring scenic routes in Italy, or enjoying a relaxing ride through France, Worldwide and European mountain bike insurance through Cycleplan ensures you’re covered wherever the trail takes you.
Important documents
If you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.
More detailed cover information can also be found on our Important Documents page.
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While mountain bike insurance in the UK isn’t compulsory, the speeds and inclines involved in the sport mean that it comes with a risk of accidents. Additionally, high-value bikes can be a target for theft. You might want to consider specialist mountain bike insurance for peace of mind that you won’t have to pay large sums of money for repairs, replacements, or third-party claims if the unexpected happens.
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The amount you insure your mountain bike for depends on its age and purchase history. The value should be based on the RRP price if it’s up to 3 years old and was purchased new. However, if your MTB is over 3 years old, its indemnity value should be used.
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The cost of your mountain bike insurance policy depends on many factors, such as:
- your chosen level of cover
- your age
- your location
Get an instant online quote today to learn the cost of your MTB insurance. If you take out a policy and find the same level of cover and terms elsewhere for less within 14 days, we’ll refund the difference.
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We understand that insuring more than one mountain bike can get expensive. This is why we have a multi-bike cover option, where you’ll receive a 10% discount on all bikes, excluding the one with the highest value.
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Your bike is covered for use by immediate family members who permanently live at the address where your bike is insured. This can include your parents, spouse, partner, son, daughter, or siblings.
Whether you have a single or family bike policy, everyone in your household will be covered by the benefits selected free of charge. So, if you choose Personal Accident or Public Liability cover, you won’t need to pay any additional fees to cover your family members.
Refer your friends and you’ll both be rewarded
If you choose to refer your friends to us, not only will we reward you with a voucher of your choice but your friends will receive an exclusive discount too!
Mountain bike tips & advice
