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Downhill Mountain Biking Travel Insurance

JS Travel Insurance provides Downhill Mountain Biking Travel Insurance for Europe or Worldwide, including Search and Rescue from the Mountain, Medical and Repatriation back to the UK, and more; enjoy the Ride! To contact us by telephone or email, 0800 043 0020 / 01273 092 757

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JS Travel Insurance provides Downhill Mountain Biking Travel Insurance for Europe or Worldwide, including Search and Rescue from the Mountain, Medical and Repatriation back to the UK, and more; enjoy the Ride!

To contact us by telephone or email, 0800 043 0020 / 01273 092 757 support@jsinsurance.co.uk

Summary of Cover (per person)

Section & Cover Silver Gold Platinum
Emergency Medical and Repatriation* £5,000,000 £5,000,000 £5,000,000
Search and Rescue* £25,000 £50,000 £50,000
Cancellation or Curtailment* - £3,000 £7,500
Personal Baggage* £500 £2,500 £3,500
Activity Equipment £1,500 £1,500 £1,500
Valuables* £250 £250 £500
Loss of Passport* - £300 £500
Travel Delay - £300 £1,000
Trip Abandonment* - £3,000 £7,500
Missed Departure / Connection - £500 £500
Legal Expenses* - £25,000 £50,000

*Excess payables vary depending on the claim benefit.

Please read the Policy Wording for the complete list of Benefits.

Healix Insurance Services Ltd, on behalf of Hamilton Insurance DAC, arranges this Travel Insurance policy for Jade Stanley Ltd. Healix Insurance Ltd is registered in England and Wales under No. 5484190 and authorised and regulated by the Financial Conduct Authority under No. 437248. Hamilton Insurance DAC is registered in Ireland No. 484148, authorised by the Central Bank of Ireland, and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority in connection with their UK branch. Jade Stanley Ltd is registered in England and Wales under No. 03570857 and authorised and regulated by the Financial Conduct Authority under No. 306205.

Downhill Mountain Biking Travel Insurance FAQs

1. Am I covered medically if I have a Downhill Mountain Biking Injury or Accident? 

If you have a Downhill Mountain Biking injury or accident on the mountain and need Emergency Medical Treatment, our policies cover Medical Expenses up to £5m.

2. Will I be covered for Search and Rescue if I have a crash on the mountain and need helicopter evacuation? 

If medically necessary, you will be helicopter evacuated from the mountain under Search and Rescue cover.

Once you have been evacuated from the scene and are in a hospital, you will be covered under the Medical and Emergency Expenses.

3. How does the Search and Rescue cover work?

Yes, our policies include Search and Rescue cover; in an emergency, you should call the 24/7 Emergency Assistance line, which will arrange the Search and Rescue on your behalf.

Search and Rescue costs are covered for a period not exceeding 72 hours from when assistance is first summoned.

We recommend that you provide a copy of your Travel Insurance Certificate and the 224-hour Emergency Assistance telephone number to a member of your Group or Travelling Companions.

Find out more about Mountain Rescue Travel Insurance.

4. Is Repatriation included In this policy?

You will be covered for Repatriation under the Medical and Emergency Expenses of up to £5m. This does not include mountain bike repatriation.

5. Does this Cover have any restrictions on altitude or riding speed? 

No, there are no restrictions on altitude. However, you must ride on a recognised mountain bike route with mechanical lifts. 

We cover a lot of Riders heading to some of the following hotspots in Europe and Worldwide: 

  • Les Deux Alps, France - 3,200 metres

  • Morzine, France - 2,500 metres

  • Livigno, Italy - 1,815 metres

  • Tyrol, Austria - 3,797 metres

  • Are, Sweden - 1,224 metres

  • Whistler, Canada - 670 metres

There are no restrictions on riding speed. However, it would be best to be mindful of who is around you and always ride safely.

6. Is Safety Equipment mandatory whilst Downhill Mountain Biking for my policy to be valid?

You must always wear a riding helmet when downhill mountain biking for your safety and to ensure your policy is valid.

You should follow all resort riding guidelines.

Although not essential or mandatory, you should wear padded protection and have a cost-effective Recco Backpack or Helmet reflector, which can help speed up Search and Rescue times in a mountain Bike Emergency.

7. Does this policy cover me if Downhill Mountain Biking is the sole purpose of my trip?

Yes, all the Sports and Activities we offer are covered on a sole-purpose basis. You can do Downhill Mountain Biking for the entire trip with no restrictions on riding days; we cover over 400+ Activities on a sole-purpose basis.

8. I travel a lot for Downhill Mountain Biking. Can I get Coverage on an Annual Basis? 

Yes, we can cover Downhill Mountain Biking annually with a maximum trip length of 31 days at a time with unlimited Downhill Mountain Biking Days.

This is a cost-effective option if you plan more than 2 or 3 trips, whether mountain biking or regular travel.

9. Does this cover Downhill Mountain Bike Racing? 

No, this policy does not include Cover for Racing. However, we have a provider who can cover Downhill Mountain Bike Racing.

10. Is there an age restriction on this policy, and can children travel independently? 

A child can travel independently if they are travelling with an insured adult via JS Travel Insurance.

The maximum age limit on this policy is 64 years of age.

10. Can I get Coverage if I am a Resident of Europe? 

Globelink International can provide Coverage on a Single Trip or Annual Multi-Trip for Downhill Mountain Biking for a European resident. 


Please select Hazardous Pursuits Category 3 - to cover you for the Downhill Mountain Biking trip.

Downhill Mountain Biking Trial Grading and Mountain Safety

Trial Grading: 

All Downhill Mountain Biking is done during the summer when all the snow has left the ski resorts and complex terrain returns. Resorts use the same piste map, lifts, and colour grading system below:

Green: Made for beginner riders, easy trials which are well maintained and smooth riding with few obstacles along the way.

Blue: Made for intermediate riders, Blue offers technical features such as roots and rocks but still at an easy riding level, making it an excellent ride for training.

Red: Made for experienced riders, Red offers many challenging technical features such as drops, jumps, and steep climbs.

Black: This Ride is made for expert riders only. It is very challenging and has technical features such as steep drops, jumps, obstacles, etc. 

Mountain Safety:

Wear a Helmet: A riding helmet is a must, not only to prevent a severe head injury but also to ensure your policy is valid.

Ride within your limits: Know your skill level, ride the stories you can ride, and if you are an expert, don't ride on the Red or Blacks for the first Ride of the day! Start on the lower levels and work yourself up to them to know if you can ride them on the day. 

Be aware of your surroundings: As you can imagine, the mountains can get busy, so be mindful of other riders. It's not only riders you need to be aware of; mountain terrain offers a lot of rocks, trees, and other hazards along the way. 

Use your brakes. This controls and regulates your speed, helping you navigate better and avoid other rides and obstacles along the way. Don't be too harsh on your front brake; it can cause you to go over the handlebars.

Lean into turns: This is important; it helps avoid crashes and lets you control the bike better. When not leaning into turns, it can often make you slide the back end of your bicycle out.

Bail if necessary: If you can see a potential hazard or crash coming, do not be afraid to bail. It's better to bail than to ride through it, and this can avoid severe injury.

Top Downhill Mountain Biking Rides Worldwide

Morzine-Avoriaz, France - Fully open from June 23rd to September 3rd 2023 - 18 Downhill Trails 

Les Gets, France - Fully open from June 23rd to September 3rd 2023 - 13 Downhill Trails.

Val di Sole, Trentino, Italy - Fully open from June 10th to September 24th 2023 5 Downhill Trials 

Åre Bike Park, Sweden - Fully open from June 10th to September 30th 2023 - 37 Downhill Trails 

Whistler Mountain Bike Park,  Canada - Fully open from June 10th to September 24th 2023 - 112 Downhill Trails

Angel Fire Bike Park, USA  Fully open from May 19th to October 29th 2023 - 32 Downhill Trials 

Downhill Mountain Biking Annual Multi-Trip Benefits

If you Downhill Mountain bike abroad multiple times a year, then an Annual Multi-Trip Policy may be a good idea. 

31-Day Maximum Trip Length Days: Our Annual policies offer 31-day maximum trip length days per trip with unlimited Downhill Mountain Biking Days.

Flexibility: An Annual policy gives you flexibility; it means if there is good riding weather, you can book a last-minute trip and know you are covered, 

Convenience: An Annual policy Saves you time searching around for a policy every time you travel!

Cost Effective: An Annual policy can save you money if you travel multiple times a year, be that for downhill mountain biking or standard travel

Peace of Mind: An Annual policy gives you peace of mind that you are covered for 12 months, including travel and Downhill mountain biking, Medical Expenses, Search and Rescue, Activity equipment, and more. 

Common Downhill Mountain Biking Injuries and Prevention

As an extreme sport with speed and risk as its cornerstones, there is the chance of incurring a severe injury from Downhill Mountain Biking.

The most common injuries occur when the rider falls off the bike at speed, either over the handlebars or to the side injuries that can occur:

Head Injuries: 

You are commonly caused by a collision with another rider, misc objects causing you to crash, or being too heavy with your front brake, which causes you to go over the handlebars.

Preventions: Always wear a well-fitted helmet, choose a helmet with MIPS Brain Protection for added safety, be aware of your surroundings, and choose your riding trails wisely.

Shoulder Injuries: 

Commonly caused by falls to the side of your bike, be that a slide, taking the wrong jump or another rider colliding with you. 

Prevention: Wear a good set of shoulder pads with extra padded protection.

Knee Injuries: 

Although it's not as common as expected, it often happens if you collide with another rider or your surroundings when riding fast. 

Prevention: Wear a padded set of knee pads, probably the most essential protection when downhill mountain biking.

Wrist Injuries: 

This can happen in all instances of Downhill Riding but is most common when going over the handlebars when riding at speed and breaking too heavy or an object tossing you over the handlebars; you end up landing on your hands and wrists, which can cause dislocations, fractures or breaks.

Prevention: A good set of Wrist Guards can prevent the risk of a significant injury.

Lacerations, Cuts, and Scrape Injuries:

Lacerations, cuts, and scapes are prevalent injuries when Downhill riding, mainly to your hands, arms, or legs; this can happen in any instance, be that a fall, a crash, a slide or any misjudgment. 

Prevention: A good way to prevent this is to wear a good set of full-finger riding gloves and all other protective gear. 

Additional preventions for downhill Mountain Biking:

  • Warm up before riding 
  • Stretch after riding
  • make sure you ride within your skill level
  • Ride with Caution and pay attention to your trails 
  • Take a lesson from a qualified guide or professional

Pre-Existing Medical Conditions

We can provide you with a policy if you have pre-existing medical conditions and plan to participate in Downhill Mountain Biking. 

Our provider (Adventures) can offer travel insurance, including Downhill Mountain Biking, if you have a pre-existing medical condition.


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