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Mountain Biking Travel Insurance

If you are planning a trip abroad and you will be taking part in Mountain Biking, it is a good idea to have a Travel Insurance policy in place before you leave your home.

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.

To get a quote, please contact us by telephone or email, on 0800 047 5065 (FREEPHONE) or 01273 773 017 info@jsinsurance.co.uk

Please check the Terms and Conditions for any Restrictions or Exclusions, since Downhill Mountain Biking is a different activity and will require a different level of cover.

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

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.

Non-UK Residents (European and Worldwide)

World Nomads offers Travel Insurance if you are a Resident of a European or Worldwide country and you are planning to take part in Mountain Biking whilst on your trip.

You can also add high value items, such as Sports Gear, Technical Equipment and Cameras, and Personal Items.


Please check the Terms and Conditions for any Restrictions or Exclusions.

Important Information

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

All of the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage. WorldNomads.com Pty Limited (ABN 62 127 485 198 AR 343027) at Governor Macquarie Tower, Level 18, 1 Farrer Place, Sydney, NSW, 2000, Australia is an Authorised Representative of Cerberus Special Risks Pty Limited (ABN 81 115 932 173 AFSL 308461) and is underwritten by certain underwriters at Lloyd's.

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