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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:
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|
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.
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You can customise your policy further with pre-existing medical condition cover, sports and a number of other specialist add-ons.
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.
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.
Adding Winter Sports cover to your Single, Annual or Backpacker insurance policy allows you to take part in over 25 winter sports, as well as providing:
Medical Cover: 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:
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:
If you're planning on tying the knot abroad, extra cover for accidental loss, theft or damage to 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.
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:
Essential Travel is a trading name of Holiday Extras Cover Ltd, which is authorised and regulated by the Financial Conduct Authority FRN 828848. Holiday Extras Cover Ltd 05058680 is registered in England and Wales. Registered office address: Ashford Road, Newingreen, Hythe, Kent CT21 4JF.
Essential Travel is underwritten by White Horse Insurance Ireland dac who are authorised by the Central Bank of Ireland. To check this you may visit www.centralbank.ie.