Mountain Bike Insurance, Built for MTBs

Specialist cover designed around off-road riding — not road cycling assumptions.

Mountain bikes are built to be ridden harder, further from roads and on more challenging terrain. Our mountain bike insurance is designed for how MTBs are actually used — with cover for theft, accidental damage and off-road riding handled by cycling-expert claims teams.

Trusted by the cycling community

Mountain Bike Insurance, Handled by Cycling Specialists

Cyclists don’t all need the same type of insurance.

Not all insurers understand mountain biking. We insure cyclists only — which means understanding trail riding, technical terrain and the types of damage mountain bikes actually sustain when something goes wrong.

Claims expertise

Mountain Bike Claims Expertise
Claims handled by cycling specialists who understand mountain bikes, components and off-road riding risks.

Repair-first approach

MTB-Approved Repairs
We prioritise specialist repairs wherever possible, using experienced bike workshops familiar with mountain bikes.

Parts and supplier access

Parts & Supplier Access
Access to specialist mountain bike parts, components and approved suppliers when replacements are needed.

Cyclist-first decisions

Built for How MTBs Are Used
Claims decisions made with real riding in mind — not assumptions based on road cycling or casual use.

Protected by the Peloton

Claims handled by people who genuinely understand mountain bikes

Claims are handled by people who genuinely understand how mountain bikes are ridden, repaired and replaced. From suspension damage to frame issues, decisions are made by cycling specialists — not general insurers.

We also hold key bike parts in-house and work directly with specialist repairers, helping reduce delays and get mountain bikers back on the trails sooner.

What this means for you:

What’s Covered by Our Mountain Bike Insurance

Our mountain bike insurance covers more than just storage and transport. Protection is designed around how mountain bikes are ridden — including off-road use, technical terrain and accidental damage.

Theft

Cover for your mountain bike against theft when secured in line with policy requirements, whether at home or away from it.

Accidental damage

Protection against accidental damage while riding, transporting or storing your mountain bike — including off-road incidents.

Liability cover included

Third-party liability cover while riding your mountain bike, protecting you if you cause injury or damage to others.

Riding & Off-Road Use

Cover while riding your mountain bike off-road, including trails, bridleways and recognised riding areas.

Ready to get covered?

How Your Insurance Fits Your Riding

Mountain bikers don’t all need the same setup. Choose the protection route that fits how and where you ride.

Mountain Bike-Only Insurance

Best if you just want to insure your MTB

Dedicated cover for your mountain bike, without tying it to your home insurance — ideal for higher-value or regularly ridden MTBs.

Home & Contents with Mountain Bike Cover

Best if your bikes are part of your home setup

Insure your mountain bike as part of a wider home setup, with specialist cycle terms built in — not generic contents limits.

Both options include specialist mountain bike cover — the difference is whether your bike is insured on its own or as part of your home insurance.

Common questions mountain bikers ask

Mountain Bikers often want reassurance on a few key points before getting a quote. Here are the answers to the questions we hear most.

Is mountain bike insurance different from standard bike insurance?

Yes. Mountain biking involves off-road riding, technical terrain and higher risk of accidental damage. Our cover is designed around how MTBs are actually used, not road-only assumptions.

Is off-road riding covered?

Yes. Riding off-road is covered, including trails, bridleways and recognised riding areas, as long as use is within policy terms.

Is accidental damage covered while riding?

Yes. Accidental damage cover applies while riding, transporting or storing your mountain bike, including damage sustained during off-road riding.

Is theft covered?

Yes. Theft cover applies when your mountain bike is secured in line with policy requirements, whether at home or away from it.

Do you cover carbon frames?

Yes. Carbon-frame mountain bikes can be covered, provided the bike value is accurately declared.

Is suspension damage covered?

Damage to suspension components may be covered as part of an accidental damage claim, subject to policy terms and exclusions.

Are downhill or enduro bikes covered?

Mountain bikes designed for downhill or enduro riding can be covered, provided they are non-motorised and used in line with policy conditions.

Is racing or competition covered?

Organised racing or competition may require additional cover. Always check the policy wording to ensure your activity is included.

Can I insure more than one mountain bike?

Yes. You can insure multiple mountain bikes under one policy.

Can mountain bikes be insured under home insurance?

Yes. You can choose either standalone mountain bike cover or include your bike within a specialist home and contents route.

How do I make a claim?

Claims are handled by specialist cycle claims teams who understand mountain bikes and off-road riding, with a focus on appropriate repairs wherever possible.

Is wear and tear covered on mountain bikes?

No. Insurance is designed to cover sudden, unexpected events such as theft or accidental damage. Gradual wear and tear, including normal component degradation, isn’t covered.

If you can’t find the answer you are looking for after looking through the FAQs, you can call us for help or information, Mon-Fri 9-5 pm on 0800 121 4424

When mountain bikers travel, we’ve got that covered too

MTB travel insurance is designed specifically for mountain bikers heading overseas to train, ride, or compete — with medical and trip protection built around mountain biking as the main purpose of travel.

This cover is separate from mountain bike insurance and home insurance cyclist, and applies when cycling is the reason you’re travelling abroad, not just something you do while you’re away.

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