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Downhill Mountain Biking Travel Insurance

Downhill Mountain Biking is an adventurous style of Mountain Biking. It involves descending a usually steep slope on a mountain bike, on rugged terrain with obstacles such as rocks and boulders, jumps and drops, and tree roots and other vegetation. Downhill Mountain bikes differ from regular mountain bikes in the sense that their suspensions are stronger and thicker and their frames generally heavier and stronger as well.

You can get a policy online for Downhill Mountain Biking on our ADVENTURES website.

Please select Mountain Biking (Not BMX) or Mountain Biking - Downhill Racing (not BMX).

If you prefer, you can contact us by telephone or email, on 0800 047 5065 (FREEPHONE) or 01273 773 017 info@jsinsurance.co.uk

Summary of Cover

Section & Cover Limit Per Person Excess
Cancellation or Curtailment £3,000 £50
Medical Expenses £5,000,000 £50
Emergency Repatriation £5,000,000 £50
Personal Baggage £1,750 £50
Money & Cash £500 £50
Travel Delay £100 -
Holiday Abandonment £3,000 £50
Missed Departure £750 -
Legal Expenses £25,000 £100

Downhill Mountain Biking

Downhill Mountain Biking can be done recreationally or competitively. All over the world, you can find recreational Mountain Biking trails, while the competitions take place in certain countries and regions.

As an official sport, Downhill Mountain Biking is not particularly old. The first time trial race took place in 1976 in California. In the next years, especially in the 80s, the popularity of Mountain Biking grew exponentially.

However, it was not until the 90s that mountain bikes specifically made for Downhill Riding were being manufactured. As Mountain Biking grew in popularity, riders from other sports such as BMX Cycling began taking part in this new thrilling sport as well.

Mountain Biking can be done anywhere where there is a slope sometimes tracks are even purposely built to hold races. In some mountainous regions, slopes used for Skiing and Snowboarding in winter become Downhill Mountain Biking trails in summer. Gondolas, trams or chairlifts are used to get the riders to their starting points.

As Downhill Mountain Biking obviously has a high level of risk involved. It is an extreme and high speed sport in which participants race as fast as possible down a steep and rough slope. Crashes, collisions and other accidents happen regularly and when they do, the sustained injuries are usually quite severe.

Common Injuries

As an extreme sport that has speed and risk as its cornerstones, there is the chance of incurring a serious injury from Downhill Mountain Biking. Therefore, it is important to take the proper precautions and always ensure that you are wearing the right protective equipment, including a helmet and leathers. The most common injuries occur as a result of the rider falling off the bike at speed, either over the handlebars or to the side.

It is most dangerous for a rider to go over the handlebars and accidents such as these can lead to head injuries, broken necks or backs or even death. Abrasions, lacerations and contusions are most frequently incurred, as well as dislocations and fractures, particularly of the collar bone.

Mountain Biking Equipment

The two essential components of the gear of Downhill Mountain Bikers are a Downhill Mountain Bike and a helmet. Downhill Mountain Bikes are much stronger and heavier than regular mountain bikes they have to endure much more than other bicycles, from pressure shocks to crashes to jumps. They have front and rear suspension with at least 20 centimetres of shock absorption space, allowing the riders to speed over rocks, potholes, tree roots and other kinds of small obstacles.

A helmet is the main part of a Downhill Mountain bikers safety gear. It is vital, often literally life saving, to wear a helmet when Downhill Mountain Biking. Other protective gear includes gloves, a chest armor, knee and elbow braces, neck braces, leg and ankle armour, and arm armour.

Important Information

You are required at all times to wear the appropriate safety equipment, for example protective clothing and / or suitable head protection.

Adventures Travel Insurance is arranged for JS Travel Insurance through P J Hayman & Company Limited who are authorised and regulated by the Financial Conduct Authority (Financial Services Register number 497103). Registered office: Stansted House, Rowlands Castle, Hampshire PO9 6DX. Reg no. 2534965. Adventures Travel Insurance is underwritten by Antares Syndicate 1274 at Lloyd’s. Antares is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.


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