0800 121 4424

Home and mountain bike insurance all under one roof

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. 

Mountain bike insurance reviews

Home insurance for cyclists

Stop balancing policies. Start using Pedal Cover.

Combining home and mountain bike insurance under one policy cuts the hassle and expense of dealing with separate providers, and it can be much more cost-effective. We provide the best of a bike policy combined with the best of a home and contents policy.

Our home and mountain bike insurance cover at a glance

Mountain bike insurance

•  Theft away from home
•  Crash damage
•  Personal Expenses
•  Legal expenses

 •  Race cover
 •  Public liability
 •  Multi bicycle cover
 •  Theft from a vehicle

+

Buildings and contents cover

 •  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

The best insurance for mountain biking

Home insurance for cyclists

From

£15

a month

Home contents and bicycle cover

If you already have buildings insurance, we can just look after your prized possessions. This includes up to £50,000 worth of bicycles.

Home insurance for cyclists

From

£20

a month

Buildings, home contents and bicycle cover

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.

There’s no such thing as too many bikes

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.

Pedal perks

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.

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Providing Home and MTB Insurance across the UK

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 full summary
of covers

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 homeIncludedIncluded
Accidental damageIncludedIncluded
Bicycle maximum limit£25,000£50,000
Bicycle single limit£10,000£15,000
Depreciation from price paidNoneNone
Overseas travelEurope 30 days per tripWorldwide 60 days per trip
Cycling disciplinesExcluding: Criteriums, Road Racing, Downhill Mountain BikingAll
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 Withdrawal1 event up to £2501 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
 Physiotherapyup to £350up to £500
Dental Coverup to £350up to £500
We cover possessions at and away from the home up to the unspecified limit. If you have items above the unspecified limit (depending on the tier) you must tell us about them and they need to be listed on your schedule to be covered.

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
This cover provides all our customers with a 24/7 advice line and legal costs of up to £50,000 to pursue claims for things like personal injury or disputes with neighbours.

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

Home and mountain
bike insurance FAQs

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.

Being into MTB often means owning more than one bike, or maybe you’re part of a household of mountain biking enthusiasts – small and big alike! With this in mind, you don’t need insurance simply for one bike, you need a policy for ALL of your bikes. When choosing the best mountain bike insurance, you want an easy and straight forward policy that covers all of your bikes, whenever and wherever you want to use them.

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 😉

 

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Contact us

Mon to Fri from 9 am to 5 pm
The Old Mill, Ewenny, CF35 5BN
0800 121 4424