Do you have a pre-existing medical condition that you need to declare to your travel insurance provider? Get advice on pre-existing medical conditions.
Mountain Biking Holiday InsuranceCovered on Sports Grade 2
From only £14.04 per Week
- Leisure Mountain Biking
- Medical cover up to £10 million
- Single, Annual or Backpacker trips
- 24 hour Emergency Assistance
- UK, Europe & Worldwide
From only £14.04 per Week
Holiday Insurance for Mountain Biking
Mountain Biking is a great way to get off the beaten path and discover new sights during your trip. Essential Travel offers you travel insurance for Mountain Biking under Sports Grade 2 and Sports Grade 4.
Mountain Biking can expose you to a few more dangers than conventional sports. When you take out travel insurance with Mountain Biking cover:
- Wear the correct safety gear
- Avoid endangering yourself needlessly
Which Sports Grade do you choose?
Sports Grades refer to the level of risk involved with an activity. Mountain Biking is covered by either Sports Grade 2 or 4 requiring that you add extra cover to your quote.
|Sports Grade||Medical Excess||Personal Accident Limit||Personal Liability|
|Sports Grade 2
Not BMX (on or off road) and not downhill racing
|£300||Reduced by 50%||Excluded|
|Sports Grade 4
Downhill Racing, not BMX (on or off road)
|£600||reduced by 50%||Excluded|
Cover Levels For Mountain Biking
Listed below are the features for all Sports Grade cover. Be sure to note that the cover levels do change depending on the grade level, as indicated in the table above.
|Medical Expenses||up to £2.5 million||up to £5 million||up to £5 million||up to £10 million|
|Personal Accident||up to £7,500||up to £15,000||up to £15,000||up to £30,000|
|Personal Liability||up to £500,000||up to £1 million||up to £1 million||up to £2 million|
|Hospital Benefits||up to £300||up to £600||up to £600||up to £1,200|
Essential Travel's Sports Insurance includes over 100 sports listed under Sports Grade 1 at no extra cost. If you want to include Sports Grade 2, 3 or 4 cover, you will have to add extra cover to your quote.
Add Extra Cover
You can customise your policy further with pre-existing medical condition cover, sports and a number of other specialist add-ons.
Do You Need to Declare a Medical Condition?
If you have a pre-existing medical condition its vital that you declare it or you could invalidate your entire policy. Insurers dont like to think that youve hidden things from them and you may be surprised to find out that many common medical conditions such as allergies can be added without any additional cost. Whats more, you even have the option to declare a condition but then exclude it from your policy. What this means is that youve told your insurer about your condition but decided not to cover it, so you will be covered medically for anything unrelated to that condition.
Do You Need Extra Sports or Specialist Cover?
A decent policy will include cover for many sporty or adventure activities as standard. However the more adventurous or dangerous the activity, like winter sports, the more likely it is that you will need to purchase additional sports insurance. You can customise your policy further a number of other specialist add-ons.
If you want to play sport on holiday, make sure you do so safely by adding the correct sports grade to your policy.
100+ sports are covered at no extra cost on our policies!
By adding Winter Sports to your Single, Annual or Backpacker policy you can take part in over 26 winter sports and be covered for:
Medical: you will be covered for emergency medical expenses that occur should you have an accident and require medical attention including cover for mountain rescue, helicopter rescue costs and repatriation
Equipment: Winter Sports cover also provides peace of mind against any theft, loss or damage to your personal or hired equipment as well as any pre-paid fees.winter sports cover →
Regardless of your handicap, cover for your golf equipment and pre-paid green fees can be added to your policy giving you nothing else to work on except your game.
Simply add extra golf protection to your Single, Annual Multi or Backpacker Trip policy to add extra protection for:
- Your Personal Equipment up to £1000
- Hired Equipment up to £200
- Pre-paid Green Fees up to £300
Self employed or working for a company, if you travel for work you can add extra protection against accidental loss, theft or damage to your business equipment to your Single, Annual Multi or Backpacker Trip policies.
Business cover protects equipment such as cameras, mobiles, laptops that you may need to work or have with you in meetings.business trip insurance →
Sail the seas worry-free by adding extra cover for missed port, cabin confinement and unused excursions to any of our Single, Annual Multi or Backpacker Trip travel insurance policies.
Cruise cover will add extra protection for:
- Extended baggage cover up to £3,500
- Missed shore trips up to £500
- Cabin confinement (due to illness) up to £600
- Valuables up to £700
If you're planning on tying the knot abroad, extra cover for accidental loss, theft or damage to your your wedding clothes, rings, gifts and photos can be added to your Single, Annual Multi or Backpacker Trip policy, to help ensure that your special day is everything its meant to be.
- Wedding Clothes up to £1500 per person
- Wedding Gifts up to £1000 per couple
- Wedding Rings up to £250 per person
- Wedding Photographs up to £750 per person
Should you need to claim on your travel insurance an Excess is the amount that you'll have to pay before we pick up the rest of the bill.
Avoid paying any excesses by adding the Excess Waiver option to your Single, Annual Multi or Backpacker Trip policy.find out more →
If you've packaged your holiday yourself (without the help of a travel agent) add the Indepentent Traveller add-on will provide cover for additional scenarios such as:
- Extended Cancellation and Curtailment: If you need to cancel or return home early because your booked accommodation becomes unreachable and unusable due to a travel ban or evacuation
- Extended Delayed & Missed Departure: Not only will we pay you for the first 12 hours of delay, we'll also help with pre-paid travel, accomodation & any alternative travel arrangements you may need to make
Travel Insurance Reviews
Customers have scored Essential Travel on average 87% 100 based on 1066 reviews.
Total Rating: 5/5
Simple & easy to use website
Easy to understand and use website. No interaction with any staff members so cannot comment...hopefully we won't need to use the insurance but as for setting it up, no problems at all.
Mr Mason - Wed, 06 Nov 2013
Total Rating: 4/4
Helpful customer service staff, straightforward advice
Very happy with the service I received when going through the claims process.
Ms Duncan - Wed, 06 Nov 2013
Total Rating: 5/5
5 stars for the ease of use (website) and fast booking procedure
Getting a proposal was easy. You then only had to make up your mind about the sort of coverage you want and book it accordingly. I decided against the paper documents (sent by mail) just for the reason being I ran out of time as I booked late. Fortunately I didn't have to make use of the services on the spot and therefore cannot comment on that part.
Maika Wolf - Sun, 03 Nov 2013
Find the right travel insurance for your needs with Essential Travel's Expert Tips:
Essential Travel recommends the best time to purchase your travel insurance to make sure your holiday is fully covered and you get the most from your policy.
Learn how to cut costs on your holiday insurance & receive exclusive travel insurance discounts. Cover for medical emergencies, cancellation and lost luggage.