Specialist insurance for mountain biking

Can’t wait to gear up and hit the tracks once more? Lead the way, and we’ll be right behind you – because we love the adrenalin surge too! Whatever your level, we can provide you with the specialist mountain biking insurance you need.

Protectivity mountain biking insurance is available to UK and Irish residents taking part in the activity in their home country or abroad. Our Sports Accident Insurance offers such benefits as income protection and personal accident cover, whilst our Sports Travel Insurance combines cover for mountain biking with travel insurance. You can get a sports travel insurance quote below.

Giving you extra

The following are included in all Sports Travel Insurance policies:

  • Over 500 sports covered including competitions
  • 3 levels to choose from
  • Up to £5,600 for sports equipment
  • Independent travel on Annual Multi-Trip policies
  • 24hr emergency assistance

See our FAQs for specialist product information.

Instant Quote | Sports Travel Insurance

Important notes about these sports

    You will be covered for the above selected sport(s) plus any sports in sports group 1, 2 and 3. All sports include cover for competition unless otherwise stated.


    We won't cover

    Contact Us

    Cover for the following sports can't be purchased online:

    Please call us on 01494 484800 to purchase cover, or see our full contact details

    How it works

    As a sports insurance specialist, we understand the risks when participating in sport abroad. We hold over 20 years worth of experience and are therefore able to offer a sports travel insurance with the benefits our customers want, at a competitive price.

    We separate the 400 different sports and activities that we cover into seven sports groups. When you select a sport you will be covered for that sport, all other sports in the same sports group and those in lower groups. Our sports travel insurance gives you the flexibility to travel knowing you are covered for not only your main activity but hundreds more. Our sports travel insurance is like any other travel insurance, meaning it will cover you for loss of baggage, travel delays and illness. The big difference is that we will financially protect you against injuries or accidents resulting from participating in certain sport and activities that other providers would not include.

    Sports Accident Insurance Key Benefits

    If you’re mountain biking in the UK, our Sports Accident Insurance can protect you in those unforeseen circumstances. Our policy comes with the following as standard:

    • £2 million personal liability
    • Personal disablement and accidental death cover
    • Broken bone and dental fee cover
    • Race, activities and subscription fees cover

    When taking out this policy you can also add Income Protection. This provides you with financial support should a sporting injury require you to miss work for a sustained period of time. You can adjust the level of Income Protection cover and tailor your quote to your needs.

    Sports Travel Insurance Key benefits

    Medical Expenses & Repatriation Reasonable hospital, medical and other expenses, whilst abroad, following accidental bodily injury, illness, or death during a trip. Includes emergency repatriation back to your home country on medical advice or due to serious accident, illness or death of a close relative or business partner.
    Personal Liability Covering your legal liability resulting from accidents causing death, bodily injury or property damage to a third party.
    Baggage and Personal Effects Loss of or damage to your personal baggage provided you take proper care to safeguard your property at all times. There are limits for any one article and valuables, and children (under 16 years) are restricted to 50% of the adult limit. Ensure that expensive items (ie videos) are insured elsewhere. Does not include cover for Specialist Sports equipment – see equipment extension below.
    Cancellation and Curtailment Covers the actual and unavoidable costs you incur if forced to cancel, cut short or delay a pre-booked holiday as a result of specified causes such as death, injury, illness or redundancy.
    Sports Equipement Extends cover to include Specialist Sports Equipment that is not covered under Baggage and Personal Effects.

    Flexible payments

    We offer multiple payment options at Protectivity, so paying for your insurance policy couldn’t be easier.