Mountain Bike Insurance

Why choose Cycleplan for Mountain Bike Insurance?

New for Old replacement

If your bike is stolen, and it was bought new and is less than 3 years old at the date of the loss, we’ll replace it with a brand-new bike.

The Ripe Guarantee

Our Ripe Guarantee states that if you take out a policy and within 14 days find the same cover and terms for less elsewhere, we’ll refund the difference.

Public Liability cover for accidents

If you’re deemed liable for accidentally injuring someone or damaging property whilst cycling, the insurance will cover the costs of any claims made against you.

Why should I consider mountain bike insurance?

There’s nothing more thrilling than getting out on your bike and zipping along the country paths with the fresh air on your face and barely anyone else in sight.

But as with all outdoor hobbies, there is always the potential risk of accidents. Having specialist mountain bike insurance in place could reduce the financial impact on your life if anything happens.

For example, you could damage your bike on a jump and end up stranded in the countryside. MTB insurance could cover the cost of replacing your bike and the taxi ride home, so you can get back to exploring in no time.

What does the mountain bike insurance cover?

Through Cycleplan, you can protect yourself and your bike against various accidents, so you have complete peace of mind whilst out on the trails.

All the policy covers are optional, so you only ever pay for the cover you need. Here’s a summary:

Public Liability—provides indemnity for mental injury, bodily injury, death or disease to any person or damage to third-party property up to £5m
Theft & Damage—provides cover for theft, accidental damage and malicious damage to bikes up to £30,000 and accessories up to £1,000
Personal Accident & Loss of Earnings—provides cover for bodily injury, permanent disablement, physiotherapy, broken bones, hospitalisation, and emergency dental expenses up to £50,000, and for loss of income up to £750 per week
Replacement bike hire—provides indemnity for hire of a bike following a claim for your bike up to £1,000
Competitive use—the option to extend your normal cover when you enter a competition
Race fees—provides cover for non-refundable race fees if you were unable to attend as a result of injury or a valid bike claim up to £250
Taxi fees—helps cover the cost of getting home following an accident on your bike up to £50

What’s not covered?

Knowing what isn’t covered before taking out mountain bike insurance is important so you can ride worry-free. The policy does not provide cover for:

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

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.

Mountain bike insurance FAQs

While mountain bike insurance in the UK isn’t compulsory, the speeds and inclines involved in the activity mean that it has a potential risk of accidents. Your bike could also be stolen if you’re unlucky, as with all expensive items.

That’s why you might want to consider MTB insurance. With specialist protection in place, you’ll have peace of mind that you won’t have to pay out large sums of money for repairs, replacements, or third-party claims in any of these scenarios.

The cost of MTB insurance depends on many factors, such as:

your chosen level of cover
your age
your post code

Get an instant online quote today to learn the cost of your 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.

Public Liability insurance safeguards you from potential compensation claims by third parties if you injure another person or cause accidental damage to property whilst out on your bike.

Say you accidentally ran into someone during a ride on the trails, and they make an injury claim against you—Public Liability insurance would cover the costs involved.

Evidence of ownership for bikes or accessories can include bank statements, dealer valuations, photographs, instruction booklets, and guarantee cards. You should keep hold of any damaged items or locks you are making a claim for to ensure everything runs smoothly.

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.

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.

The only time your bike wouldn’t be covered if something happened to it is if it was in the hands of anyone other than your immediate family.

This depends on how you’re insuring your mountain bike. If it’s less than 3 years old and was purchased new, it needs to be insured for the value it would cost to replace it with a brand-new bike.

If it was bought in a sale, you may need to insure it for the presale price as it isn’t guaranteed it will be discounted again at the time a claim is made.

To determine the cost of a new replacement, you can check online or where you purchased your bike from originally.

If the bike is more than 3 years old or wasn’t bought new, you should insure it for the current market value.

You can use second-hand sites such as eBay or Facebook Marketplace to get an estimate or get a valuation from a bike dealer.

Valuations from dealers can be helpful for bikes which are heavily customised, as it’s best practice to get a specialist opinion in these cases. While these valuations won’t guarantee the value in the event of a claim, they can certainly help.

At Cycleplan, you can receive up to £30,000 of cover for Theft, Accidental Damage and Malicious Damage of individual bikes or multiple bicycles, and up to £1,000 of cover for your accessories.

We can only arrange cover for individuals who are non-professional cyclists and residents of the United Kingdom.