Mountain bike insurance, there’s no need to fork out for a stand-alone policy (see what we did there), we offer home insurance bundled with great MTB covers.
We can cover your mountain bikes on home insurance, providing all the specialist cover you need riding trails in the UK, and abroad (we have options for downhill racing as well), and cover for your home and contents at the same time. What’s more, we can usually save you money at the same time.
• Theft away from home
• Crash damage
• Personal Expenses
• Legal expenses
• Race cover
• Public liability
• Multi bicycle cover
• Theft from a vehicle
+
• Buildings up to £1m
• Contents up to £100k
• Flexible contents cover
• Theft or attempted theft
• Theft from outbuildings
• Fire, explosion, lightning
• Accidental Damage
• Personal liability
From
£15
a month
If you already have buildings insurance, we can just look after your prized possessions. This includes up to £50,000 worth of bicycles.
From
£20
a month
We provide all the cover of a specialist cycle insurance policy as part of your home and contents insurance, cutting the hastle and expense of dealing with separate providers.
Our core home and mountain bike insurance allows you to add bikes with a total value of £25,000 and individual bikes valued at £10,000. With Podium, you can add bikes with a total value of £50,000 with a £15,000 single bike limit.
What’s more, all of your family living in your household will get the same level of cover as the policy holder.
Our customers get instant access to over 100 discounts from some of the best cycling, triathlon, outdoor, and lifestyle brands in the UK.
If you’re looking to upgrade your forks, buy some new outdoor clothing or equipment, or even looking to buy a new bike, we could save you hundreds.
“I can answer questions related to our home insurance built for cyclists offered by NIG. For customers with questions about other policies, you should contact the team.
The search box below is dynamic, so start typing your question, and a relevant answer will appear…”
Combining home and mtb insurance under one policy cuts the hassle and expense of dealing with separate providers, and it can be much more cost-effective. We can provide all the cover of a specialist mountain bike insurance policy as part of your home and contents insurance.
Our home insurance for mountain biking has two levels, our core product and Podium, which gives you that little bit extra. Use the menu below to compare the various sections of cover that we offer.
Pedal Cover | Podium | |
| Buildings Blanket Limit | up to £750,000 | up to £1,000,000 |
| Storm or flood | Covered | Covered |
| Water or oil escaping from fixed water or heating systems | Covered | Covered |
| Trace and Access | £2,500 | £5,000 |
| Theft or attempted theft | Covered | Covered |
| Fire, explosion, lightning, earthquake and smoke | Covered | Covered |
| Being hit by vehicles, aircraft, flying objects and animals | Covered | Covered |
| Subsidence or heave of the site on which your home stands, or landslip | Covered | Covered |
| Vandalism or malicious acts | Covered | Covered |
| Falling trees or branches | Covered | Covered |
| Falling TV aerials, radio aerials, satellite dishes and their fittings | Covered | Covered |
| Frost damage to water pipes and tanks | Covered | Covered |
| Riot, civil unrest, labour disputes or political disturbance | Covered | Covered |
| Weight of snow | Covered | Covered |
| Additional Cover | ||
| Service pipes and cables | Covered | Covered |
| Loss of keys | Covered | Covered |
| Emergency entry to buildings and gardens | Not Covered | Covered |
| Alternative accommodation, kennel fees and storage | £25,000 | £50,000 |
| Clearance costs | Covered | Covered |
| Professional fees | Covered | Covered |
| Government or local authority regulations and requirements | Covered | Covered |
| The time between exchange and completion when selling your home | Not Covered | Covered |
| Sets and suites | Not Covered | Covered |
| Accidental Damage | Optional | Covered |
| Property owner’s liability | £2,000,000 | £2,000,000 |
Pedal Cover |
Podium |
|
| Contents Blanket Limit | up to £75,000 | up to £100,000 |
| Maximum valuables limit | £22,500 | £30,000 |
| Valuables single item limit unspecified | £2,500 | £5,000 |
| Valuables single item limit specified | £10,000 | £15,000 |
| Storm or flood | Covered | Covered |
| Water or oil escaping from fixed water or heating systems | Covered | Covered |
| Theft or attempted theft from your home | Covered | Covered |
| Theft from outbuildings/garages | £5,000 | £10,000 |
| Fire, explosion, lightning, earthquake and smoke | Covered | Covered |
| Being hit by vehicles, aircraft, flying objects and animals | Covered | Covered |
| Subsidence or heave of the site on which your home stands, or landslip | Covered | Covered |
| Vandalism or malicious acts | Covered | Covered |
| Falling trees or branches | Covered | Covered |
| Falling TV aerials, radio aerials, satellite dishes and their fittings | Covered | Covered |
| Riot, civil unrest, labour disputes or political disturbance | Covered | Covered |
| Additional Covers | ||
| Frozen and chilled foods | Unlimited | Unlimited |
| Loss of keys | Covered | Covered |
| Moving home | Covered | Covered |
| Oil and metered water | Covered | Covered |
| Alternative accommodation, kennel fees and storage | £15,000 | £30,000 |
| Contents outside within boundaries of your home | £1,000 | £2,500 |
| Contents temporarily away from the home | Not Covered | £10,000 |
| Contents at university, college or boarding school | Not Covered | £10,000 |
| Downloaded content | Not Covered | £3,000 |
| Garden plants | Not Covered | £2,500, £500 per plant |
| Birth of a child, religious festivals & weddings / civil partnership | Not Covered | Increase by 10% |
| Title deeds | Not Covered | Covered |
| Business equipment | Not Covered | £10,000 |
| Money in the home | £500 | £750 |
| Guests belongings | Not Covered | £1,000 |
| Sets and suites | Not Covered | Covered |
| Credit Cards | £1,000 | £2,500 |
| Accidental Damage | Optional | Covered |
| Personal liability | £2,000,000 | £2,000,000 |
| Employer’s liability | £5,000,000 | £10,000,000 |
| Tenant’s liability | £10,000 | £15,000 |
We cover pedal cycles listed in your schedule. Below are the maximum limits allowable on each tier.
Pedal Cover | Podium | |
| Bicycles | ||
| Theft at and away from the home | Included | Included |
| Accidental damage | Included | Included |
| Bicycle maximum limit | £25,000 | £50,000 |
| Bicycle single limit | £10,000 | £15,000 |
| Depreciation from price paid | None | None |
| Overseas travel | Europe 30 days per trip | Worldwide 60 days per trip |
| Cycling disciplines | Excluding: Criteriums, Road Racing, Downhill Mountain Biking | All |
| Public Liability | £2,000,000 | £2,000,000 |
| Taxi Reimbursement | £100 | £200 |
| Bicycle Hire | £25 per day, up to 10 days | £35 per day, up to 10 days |
| Race Fee Withdrawal | 1 event up to £250 | 1 event up to £500 |
| Personal Accident | ||
| Loss of Limb | £5,000 | £10,000 |
| Loss of Sight | £5,000 | £10,000 |
| Death | £10,000 | £15,000 |
| Physiotherapy | up to £350 | up to £500 |
| Dental Cover | up to £350 | up to £500 |
Pedal Cover |
Podium |
|
| Accidental loss and damage unspecified | £2,500 | £5,000 |
| Accidental loss and damage Specified | As per schedule | As per schedule |
| Maximum single item limit specified | £10,000 | £15,000 |
| Theft from unattended locked vehicles | £500 | £1,000 |
| Items in a bank or safe deposit box | Covered | Covered |
| Theft or accidental loss of money away from the home | £500 | £1,000 |
| Cover for items abroad | Europe 60 days a year | Worldwide 60 days a year |
| Sets and suites | Not Covered | Covered |
| Repair Guarantee | 12 months | 12 months |
Pedal Cover |
Podium |
|
| Family Legal Protection | £50,000 | £50,000 |
| Employment Disputes | Covered | Covered |
| Contract Disputes (including sale of property) | Covered | Covered |
| Property Protection | Covered | Covered |
| Tax protection | Covered | Covered |
| Personal Injury | Covered | Covered |
| Legal Defence | Covered | Covered |
| Jury service and court attendance | Covered | Covered |
| Clinical Negligence | Covered | Covered |
| Identity Theft Legal Expenses | Covered | Covered |
No… It’s a lot more than just mountain bike theft insurance.
While many home insurance policies cover your bikes for theft from the home, they are unable to cover higher-end bikes or large fleets. Home insurers do not have the extensive network to provide a like for like replacement, or give you that specialist service during a claim.
When you take out a home insurance policy with Pedal Cover, we automatically include essential cover such as crash damage, theft away from home, third party liability, and cover during events, racing or on holiday. We also cover your bike if it is lost or damaged by an airline.
We provide all of the extra covers you would usually have to pay high premiums for with a specialist bicycle insurer, and we can provide all of this at the same time as your home and contents insurance.
On our policy, we ask that you let us know about all the bikes you need to cover but we have a high threshold compared to most home insurers.
Our Pedal Cover home insurance allows you to add bikes with a total value of £25,000 and individual bikes valued up to £10,000. On Podium, you can add up to £50,000 of bikes with a £15,000 single bike limit.
Most home insurance policies impose much tighter limits on the total bike value and individual bike value, meaning you might struggle to get sufficient cover.
Yes, absolutely. All of the bikes in your household are covered by our policy, and and the cover extends to every member of your family who uses them. This means if your children are riding expensive bikes or if you are taking several bicycles abroad for a family holiday, you can be comfortable in the knowledge they are covered with no additional premiums to pay.
We have split responsibility between the our team, and our underwriters at NIG.
NIG are the experts when it comes to home insurance claims, and are able to provide enormous resource to settle home insurance claims incredibly efficiently.
We are the mtb insurance experts and deal with any mountain bike insurance claims personally.
Sure, there are plenty of options out there for mountain bike insurance, but it can easily feel like a bit of a minefield trying to find the right insurance policy that suits you as a mountain biker.
In fact, many policies seem to be from companies that actually know very little about the practicalities, and what really matters, when you’re a mountain biker.
When it comes to choosing the best mountain bike insurance, you want an insurer that has the same detailed understanding of mountain biking that you do. As well as one that is asking the same questions as you.
Chances are you might have easily spent as much on accessories as on your bike. The cost of your helmet, your sunglasses, your shoes and that expensive bike computer, you just had to have, all add up.
What you really need from your policy is one that will also cover all these little extras (even items like your laptop and camera when you’re abroad) and give you the peace of mind that you’re insured in the event of the unexpected.
More and more mountain bikers are opting to take their bikes away with them. Not just for mountain biking holidays, but also for events like off-road sportives, and why not, there’s a big world out there for you to bike across.
When choosing the best mountain bike insurance, it’s fundamental to have a policy that is going to meet your needs and be realistic about the way that you use your mountain bikes.
You need to be able to take your bikes (and all those expensive accessories we’ve already talked about) abroad and rest assured that they’re all fully covered.
Of course, accidents do happen, and the best mountain bike insurance is going to provide the right cover to reflect this.
Just like insuring your car, you need to plan for every eventuality and proper liability cover (or public/personal liability cover as it’s also known) will ensure that you’re covered for damage to another person or their property in the event you’re found to be at fault in an accident.
This also goes hand in hand with the need for crash damage cover. Whether you’re riding your mountain bike to work, out on a trail holiday, or competing in your biggest event of the year in Europe – you need global crash cover as accidents can happen.
We cover downhill but although a comprehensive mountain bike insurance policy should include crash damage cover, you’ll need to check if there are exclusions. For example, many cheap mountain bike policies will not offer crash damage cover if you are partaking in downhill mountain biking.
Similarly, some policies may offer competition cover but specify that downhill mountain racing is not included.
We know reading the small print is a little tedious but it’ll save getting caught out! Alternatively, just get your insurance with us 😉
Mon to Fri from 9 am to 5 pm
The Old Mill, Ewenny, CF35 5BN
0800 121 4424
