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Mountain Biking Holiday Insurance

Covered on Sports Grade 2
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  5. For UK and ROI residents only
  6. If you are aged 75 or over please visit our partner Vital Health

From only £24.12 per Week

  • Leisure Mountain Biking
  • Medical cover up to £10 million
  • Single, Annual or Backpacker trips

From only £24.12 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.

Standard Essential Essential Plus Superior
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.

Travel Insurance Reviews

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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 it’s vital that you declare it or you could invalidate your entire policy. Insurers don’t like to think that you’ve 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. What’s more, you even have the option to declare a condition but then exclude it from your policy. What this means is that you’ve 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.

Find the right travel insurance for your needs with Essential Travel's Expert Tips: