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Downhill Mountain Biking Travel Insurance

If you are planning a trip and will be Downhill Mountain Biking whilst away, then you need to put a Travel Insurance policy in place. This is becoming more and more popular in the summer months in Europe. The ideal areas are ski resorts that create great trails for mountain biking.

  • Mountain Biking - Downhill Leisure (not BMX)
  • Mountain Biking Racing (not BMX)

 We can also cover Gravity Biking, please contact us for a quote or select: Mountain Biking - Downhill Leisure (not BMX).

If you are looking for a policy for a child under 18 years of age, you will need to select Independent Child (Single Trip or Annual Multi-Trip) when going through the quote process.

GET A QUOTE

This policy will provide cover up to the age of 69 years.

Personal Liability and Personal Accident are covered.

Please Note: We can cover just the day or days that you will be taking part in Downhill Mountain Biking if you already have a Travel Insurance policy in place. When getting a quote and purchasing a policy, you must take out Adventures Party A Only, so the cover is valid.

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

Summary of Cover

PART A

Section & Cover Limit Per Person Excess
Medical Expenses and Repatriation £10,000,000 £100
Search & Rescue £50,000 £500
Personal Liability £2,000,000 -
Personal Accident £5,000 -
Sports Equipment* £1,000 £75
Delayed Activity Equipment £200 -
Activity Equipment Hire £300 -
Legal Expenses £25,000 -
Curtailment £2,000 £100

*Sports Equipment is covered whilst in transit, storage and whilst being used.

PART B

Section & Cover Limit Per Person Excess
Personal Possessions £2,000 £75
Valuables (incl. mobile phone) £300 £75
Delayed Possessions £200 -
Loss of Personal Money £300 £75
Loss of Travel Documents £1,000 £75
Cancellation (incl Activity Course Fees) £5,000 £100
Travel Disruption £1,000 -
Travel Delay £120 -
Abandonment £5,000 £100

PART C - Optional Independent Traveller

Section & Cover Limit Per Person Excess
Ext. Cancellation or Curtailment £5,000 £100
Ext. Travel Delay £120 -
Ext. Travel Disruption £1,000 -
Accommodation £5,000 £100

Downhill Mountain Biking Travel Insurance is arranged for JS Travel Insurance through PJ Hayman & Company Limited which is 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.

Independent Traveller Extension

Cancellation, Loss of Deposit or Curtailment is extended to include the following cover.

We will pay you up to the amount shown (for each Insured Person) for any irrecoverable unused travel and accommodation costs and pre-paid activity course fees and any other prepaid charges that you have paid or are contracted to pay together with any reasonable additional travel expenses incurred if:

a) You were not able to travel and use your booked accommodation or attend your prepaid activity course.

b) The trip was Curtailed before completion as a result of the Travel Advice Unit of the Foreign, Commonwealth & Development Office (FCDO) or the World Health Organization (WHO) or similar body issuing a directive prohibiting all travel to, or recommending evacuation from the country or specific area or event to which you were travelling providing such a directive came into force after you purchased this Downhill Mountain Biking Travel Insurance or booked the trip (whichever is the later). In the case of Curtailment after you had left your home to commence the trip or closure of air space directly attributable to a volcanic eruption.

Top 10 Downhill Mountain Biking Travel Insurance FAQs

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

Yes, if it is medically necessary then you will be helicopter evacuated from the mountain under the Search and Rescue cover, this will cover you up to £50,000 (Excess of £500).

Once you have been evacuated from the scene and in a hospital you will be covered under the Medical and Emergency Expenses up to £10,000,000. 

2. Will my mountain bike be covered for accidental damage whilst I am riding it? 

Yes, you will be covered for accidental damage whilst riding your mountain bike for up to £1,000 with a Single Article Limit of £600, this will also be covered in transit or storage for loss, theft or accidental damage. 

We all know how expensive bike frames can cost. If you are looking to cover a bike which is more than £600, then please have a look at our Sports Equipment Cover, we can cover up to £20,000 with a Single Article Limit of £10,000.

Please Note: This is on an Annual basis only and is subject to Terms and Conditions.

3. Am I covered for Personal Liability?

Yes, you will be covered under the Personal Liability section of the policy, this covers you up to £2,000,000.

4. Is Repatriation Insurance included In this policy?

You will be covered for Repatriation under the medical and Emergency Expenses of up to £10,000,000. This does not include mountain bike repatriation.

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

No, this does not have any restrictions on altitude, however, you must be riding on a recognised mountain bike riding route where there are mechanical lifts. 

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

  • Les Deux Alps, France - 3200 m
  • Morzine, France - 2500 m
  • Livigno, Italy - 1815 m
  • Tyrol, Austria - 3797 m
  • Are, Sweden - 1224 m
  • Whistler, Canada - 670 m

There are no restrictions on riding speed, however, you should be mindful of who is around you and that you are riding safely at all times.

6. Is there any restrictions on safety equipment whilst Downhill Riding?

You must wear the appropriate safety protective equipment, be that a good riding helmet as well as other padded equipment, You must follow the appropriate guidelines for the resort you are riding in, if you choose to ride without any protective equipment e.g helmet then the policy could be invalid.

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

A child can travel independently as long as they are travelling with an insured adult be that via JS or a different Travel Insurance Provider.

The maximum age limit on this policy is 69 years of age.

Please Note: If you are going on a group trip there must be 1 adult for every 10 children.

8. Does this cover Mountain Bike Competitions?

Yes, you will be covered for Competitions for Mountain Bike Racing or Time Trial Events, Please select Mountain Biking - Downhill Racing (not BMX) at the quote process. 

9. Can I get cover on an annual basis? 

Yes, we can cover on an annual basis with a maximum trip length days of 60 days at a time, this is a cost-effective option if you have more than 2 or 3 trips planned be that mountain biking or for a beach/city break, please see average premiums below: 

10. What are example premiums for a Downhill Mountain Biking policy, Leisure and Competition?

40-Year-old travelling to Europe - Downhill Mountain Downhill (Leisure):

1 Day Cover - £37.65

5-Day Cover - £57.74

7-Day Cover - £71.99

Annual Cover - £212.95

40-Year-old travelling to USA/Canada - Downhill Mountain Downhill (Leisure):

1 Day Cover - £115.37

5 - 7 Day Cover - £209.60

Annual Cover - £399.85

Racing (Competition)

 

40-Year-old travelling to Europe - Mountain Biking Downhill Racing:

1 Day Cover - £44.30

5-Day Cover - £67.93

7-Day Cover - £84.69

Annual Cover - £250.53

40-Year-old travelling to USA/Canada - Mountain Biking Downhill Racing:

1 Day Cover - £135.73

5 - 7 Day Cover - £246.59

Annual Cover - £470.41

More FAQs:

11. Will my premium be more expensive if I have a pre-existing medical condition?

No, this provider tends to not charge any extra premium to include medical conditions. 

However, you will not be covered if you are on a waiting list for any medical treatment or investigation relating to an undiagnosed condition or if you are suffering or being treated for any mental health issues such as anxiety, stress, depression or nervous disorder on a Single Trip or Annual Multi-Trip policy

12. Am I able to get coverage if I am a Resident of Europe? 

Yes, our provider Globelink International can provide cover on a Single Trip or Annual Multi-Trip for Downhill Mountain Biking for a Resident of Europe. 

GET A QUOTE

Please make sure you select Hazardous Pursuits Category 3 - to cover you for Downhill Mountain Biking.

Search and Rescue

We can provide Search and Rescue whilst taking part in Downhill Mountain Biking.

This is a benefit which covers you up to £50,000 (Excess £500) and a Local Rescue Organisation will search, rescue and transfer you to a local hospital or we will repatriate you back to your home country if the medical facilities are not up to our standards.

Search and Rescue costs are covered for a period not exceeding 72 hours from the time at which assistance is first summoned.

We recommend that you provide a copy of your Travel Insurance Certificate and the 24hr Emergency Assistance Telephone Number to a member of your Group or Guide.

The Emergency Assistance Company will then arrange the Search and Rescue on your behalf.

Important Medical Exclusion

You will not be covered if you are suffering or being treated for any mental health issues such as anxiety, stress, depression or nervous disorder on a Single Trip or Annual Multi-Trip policy.

Downhill Mountain Biking

Downhill Mountain Biking can be done recreationally or competitively. This policy will cover both leisure and competitions.

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 Chair Lifts are used to get the riders to their starting points.

Downhill Mountain Biking 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 whilst Downhill Mountain Biking

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 Protective Equipment, including a Helmet and Leather.

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.

Pre-Existing Medical Conditions

If you have pre-existing medical conditions and you are taking part in Downhill Mountain Biking whilst travelling abroad, we can provide you with cover.

If you are looking for a policy for a child under 18 years of age, you will need to select Independent Child (Single Trip or Annual Multi-Trip) when going through the quote process.

GET A QUOTE

This policy will provide cover up to the age of 69 years.

Personal Liability and Personal Accident are covered.

Covid-19 / Coronavirus Cover

Our Downhill Mountain Biking Travel Insurance policy can cover you provided the Foreign, Commonwealth and Development Office (FCDO) is not advising against all but essential travel to your destination.

All customers must follow the advice of the FCDO at the time of travel and for the duration of their trip. This includes returning to the UK if the FCDO changes their travel advice based on the risks presented at the time. www.gov.uk/foreign-travel-advice

There shall be no cover if you or a travelling companion on this policy have refused or not taken up an offer of vaccination for Covid-19 (if available to you or a travelling companion and the vaccine requires two doses) for any reason other than genuine medical grounds.

  • Medical Expenses and Repatriation - if medically necessary, if you or anyone on this policy contracts COVID-19 whilst abroad.
  • Cancellation Cover - if you or anyone on this policy are unable to travel because you have contracted COVID-19 within 14 days of your departure date. This includes a positive pre-travel test. (You will need to add Adventures Part B to your quote and policy).
  • Curtailment Cover - if your trip is cut short if you or anyone on this policy becomes ill with Covid-19.

European Resident or Already Travelled

Globelink International offers Single Trip and Annual Multi Trip policies if you live in another European country.

GET A QUOTE

Please read the Policy Wording for any Restrictions or Exclusions.

This policy will also cover you if you have already left your home country and are already travelling and taking part in Downhill Mountain Biking and you need a policy that covers you for the rest of your trip.

After you have chosen your insurance option, you will be asked to add EXTRA OPTIONS.

Please make sure you select Hazardous Pursuits Category 3 - to cover you for Downhill Mountain Biking.

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