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Mountain Biking Travel Insurance

Mountain Biking is a type of Cycling that is done on unpaved terrain, which can range from mountain trails to fields to deserts. This adventurous sport is incredibly popular as a recreational activity (on holidays, but also as a regular hobby), while it is also done professionally. It is a wonderful way to explore a certain wilder area when on vacation, adding an active and rewarding aspect to the trip.

You can get a policy online for Mountain Biking on our ADVENTURES website. Please select Mountain Biking (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

Mountain Biking

Mountain Biking can be done essentially everywhere as long as there are unpaved roads. In certain places, Mountain Biking tracks are even specifically constructed for off road Mountain Biking. In some mountainous regions, mountain slopes that are used for Snowboarding and Skiing in winter are set up as Mountain Biking trails in summer. Mountain Biking trails are found in forests, on mountain slopes, in fields and in deserts. Because Mountain Biking is sometimes done in rather remote areas, it is vital to know how to fix a punctured tyre, to have basic bicycle maintenance knowledge, and to carry sufficient water and high energy foods. Longer Mountain Biking trips are oftentimes completed in a group.

Mountain Biking as a high speed sport clearly has some risks attached to it. It is a fast sport that involves participants venturing into wild regions. Collisions, crashes and other accidents can happen and the sustained injuries may be severe.

Common Injuries whilst Mountain Biking

As a sport that has speed and risk as one of its attractions, there is always a chance that a rider incurs a serious injury while hitting the trails. Therefore, it is essential that the proper precautions are taken and that riders always wear the right protective equipment, which includes a helmet. The most common injuries happen when the mountain biker falls off their bike at high speed, either to the side or over the handlebars. Flying over the handlebars is obviously the most dangerous and those kinds of accidents can result in head injuries, broken backs and necks or even death. Contusions, abrasions and lacerations are among the most likely injuries, as are dislocated limbs and bone fractures, especially the collar bone is vulnerable.

The severity of an injury usually depends on the speed and weight of the mountain biker (female riders are more likely to fall over their handlebars than men because they are lighter, thus sustaining more serious injuries) and the type of trail they are riding on.

Mountain Biking Equipment

The two main components of Mountain Biking gear are the mountain bike and a helmet. Mountain Bikes are much heavier and stronger than regular bicycles after all, they have to endure much more than other bikes, from jumps and pressure shocks to even crashes. They usually have both front and rear suspension, which allows the riders to ride over rocks, tree roots, holes and other small obstacles.

A helmet is the most important part of a mountain bikers safety gear. It is essential, occasionally even life saving, to wear a helmet when Mountain Biking. Additional protective gear includes gloves, proper cycling shoes and sometimes even padding clothing.

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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