Mountain Biking Travel Insurance
Adventure-ready cover for trail riders and mountain bikers
Mountain biking is a fun way to explore the outdoors. You might ride through calm forest paths or speed down steep downhill trails. Whether you’re heading to the Alps or the rugged tracks in Scotland, it’s important to have travel insurance. It helps protect you when your trip includes high-energy activities.
Holiday Extras Travel insurance includes emergency medical cover as standard, plus 24/7 assistance if you need help while you’re away. Find out what’s included and what’s not with a travel insurance policy.
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What does Holiday Extras insurance cover?
With Holiday Extras travel insurance, you’ll be protected for a range of off–road cycling activities – from gentle cross–country routes to more challenging downhill trails. The level of cover you receive will depend on the type of riding you’re planning to do:
What’s covered:
- Recreational mountain biking – Covered for general cross-country routes and off-road cycling on marked trails.
- Downhill mountain biking – This covers riding on downhill trails that are clearly marked. It does not include personal accident or personal liability cover.
- Competitive / event riding (including “Mega Avalanche” style events) – This is covered but does not include personal accident or personal liability cover.
For full details of what’s included, please check your policy wording or use our handy Activity Checker before you travel.
With Holiday Extras, emergency medical cover and 24/7 assistance come as standard, so you can travel with confidence. Compare our travel insurance cover levels below.
Compare travel insurance cover levels
Choose from three different levels of cover, each with its own cover limits. Ranging from a simpler 'Bronze' plan to a higher level 'Gold' plan, you can tailor your policy to suit your needs. Browse the key benefits below, or see the full breakdown in our cover-level table and Policy Documents.
Bronze
| £15,000,000 | Emergency medical and repatriation expenses |
| £1,000 | Cancellation & Cutting your trip short |
| £2,000 | Personal belongings |
| £500 | Personal money |
| £500 | Gadget Cover |
Silver
| £20,000,000 | Emergency medical and repatriation expenses |
| £2,500 | Cancellation & Cutting your trip short |
| £3,000 | Personal belongings |
| £750 | Personal money |
| £500 | Gadget Cover |
Gold
| Unlimited | Emergency medical and repatriation expenses |
| £5,000* | Cancellation & Cutting your trip short |
| £5,000 | Personal belongings |
| £1,000 | Personal money |
| £750 | Gadget Cover |
*Or as specified on your schedule
Top mountain biking destinations
- The French Alps: The French Alps are a brilliant place for a mountain biking holiday. The views are stunning, and the region has some of the best terrain for riding. There has been a lot of investment in high-quality trails, tracks and bike parks. Many ski lifts are also adapted for bikes, making it easy to reach higher routes. Riders from all over the world visit this area to enjoy miles of exciting terrain. Just make sure you check the weather and pack plenty of water before you head out.
- Scotland: Mountain biking in the Scottish Highlands can be an amazing experience. Popular routes run from Fort William to Inverness, where you can explore small villages, visit historic castles and even try to spot the Loch Ness Monster. Scotland has many great places to ride your bike and enjoy the outdoors. Be aware of rough terrain and check the forecast, as the weather can be cold and change quickly.
Can I get mountain biking insurance if I have a medical condition?
At Holiday Extras, we provide straightforward medical questions so you can declare conditions easily online and get cover that suits your needs.
We consider many pre-existing medical conditions and provide emergency assistance for the duration of your trip. You'll need to declare any pre-existing conditions when booking your insurance. Visit our dedicated page on travelling with medical conditions for further information.
What is classed as a pre-existing medical condition?
A pre-existing medical condition is defined as an illness, injury or condition that exists before, or at the time, you take out an insurance policy. Even if some conditions have resolved, or you feel well, we may still need to assess them. This is so that we can provide you with the right level of cover.
AnywhereGP: 24/7 Medical Help
Powered by Air Doctor
AnywhereGP is included FREE with every Holiday Extras travel insurance policy. Get fast, reliable medical support abroad – ideal for minor injuries, crashes or scrapes on the trails.
Let us answer your questions
Can I bring my mountain bike on a plane?
Some airlines allow you to bring a mountain bike as checked baggage, but you’ll usually need to pack it correctly and pay an additional sports equipment fee. Holiday Extras travel insurance does not cover damage caused by poor packing, so it’s important to follow your airline’s guidelines and use proper protection for your bike. Always check the airline’s sports equipment policy before you travel.
Is mountain biking covered by travel insurance?
With Holiday Extras travel insurance, you’ll be protected for a range of off-road cycling activities, from gentle cross–country routes to more challenging downhill trails. The level of cover you receive will depend on the type of riding you’re planning to do. Find out what’s typically included and what’s not with a travel insurance policy.
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Holiday Extras Travel Insurance is sold and administered by Holiday Extras Cover Limited, registered office address: Ashford Road, Newingreen, Hythe, Kent CT21 4JF.
Holiday Extras Cover Limited is an insurance intermediary authorised and regulated by the Financial Conduct Authority, registration number 828848. You can check this on the Financial Services Register by visiting: http://register.fca.org.uk
Holiday Extras™ is a Trading Name of Holiday Extras Cover Limited. The insurance is underwritten by Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 1 Fen Court, London, United Kingdom, EC3M 5BN.
Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting: http://register.fca.org.uk
Our flight delay cover is underwritten by Astrenska Insurance Limited and serviced by Collinson Insurance Services Limited.