Mountain Biking Travel Insurance
Gear up for adventure with mountain biking travel insurance that covers medical emergencies and more. Quick & easy.
We've got mountain biking travel insurance designed for every trail‑day mission, whether you’re cruising cross‑country or hammering lift‑served downhill.
Choose the right cover with our Adventure Plus or Adventure Extreme add‑ons and ride knowing we’ve got your back (and your bike) covered.
With the right add‑on, we cover:
✅ Trail, cross‑country and off‑road riding on recognised routes.
✅ Downhill runs on purpose‑built trails and mechanical lifts.
✅ Emergency medical care after a crash or trail mishap.
✅ Helicopter or ambulance evacuation (pre‑approved).
✅ Repatriation and 24/7 emergency support.
What’s included in our mountain‑biking insurance?
You’re covered for:
- Emergency medical expenses worldwide: We settle overseas hospital bills and keep our 24/7 assistance team on speed‑dial if a crash puts you out of action.
- Evacuation & repatriation: We arrange and pay for ambulance or heli lift‑outs (pre‑approval needed; excess on helicopter rescues) and get you home when a doctor says you can’t continue.
- Trip cancellation & curtailment: If illness, injury or fresh government advice forces you to scrap the ride or bail early, we refund the non‑recoverable costs.
- Baggage & bike gear loss or damage: We reimburse or replace kit that’s lost, stolen or broken in transit, with higher limits available through our High‑Value Items add‑on.
What's not included in this policy?
Our mountain‑bike cover does not extend to:
- Downhill riding without the Adventure Extreme add‑on (cross‑country sits under Adventure Plus).
- Stunts, jumps or any competitions. We insure recreational riding only.
- Riding without a helmet or the required protective gear.
Rise & Shield is trusted by reputable tour operators and adventure companies
What does our mountain biking travel insurance cover?
With Rise & Shield’s MTB cover, we look after every ride. From gentle forest loops to lift‑served descents.
Our policy is underwritten by Optimum Global Ltd and regulated by the GFSC, while all emergencies are handled by our 24/7 medical team, so you’re talking to specialists who understand both bikes and medical logistics.
Medical Emergencies and Evacuation
We settle overseas hospital bills and, when a doctor orders it, arrange ambulance or helicopter lift‑outs.
Equipment Loss or Damage
If your bike or gear is lost, stolen or smashed in transit, we reimburse up to generous limits under Personal Effects, with extra headroom available via our High‑Value Items add‑on.
Travel Inconvenience Benefit
Should illness, injury or sudden government advice force you to ditch the trip, or if flights go haywire and baggage wanders, we refund non‑recoverable costs and reasonable extra travel or accommodation so your plans stay on track.
Plus loads more benefits...
Why do I need mountain biking travel insurance?
Standard travel insurance treats mountain biking (especially downhill mountain biking) as a high‑risk activity.
Unless you bolt on Adventure Plus (for cross‑country) or Adventure Extreme (for downhill), any crash or kit drama falls straight on your wallet.
Here’s why specialist travel insurance for mountain biking matters:
- Remote crashes cost serious money. A helicopter lift from an alpine trail can run into thousands, and that’s before hospital treatment starts. Our policy pays the evac bill and organises the logistics for you.
- Overseas medical care isn’t cheap. Trauma surgery abroad can rack up tens of thousands, but our medical cover stretches into the millions, so you won’t be balancing physio with crowdfunding.
- Your bike and trip are valuable. Carbon frames, suspension forks and prepaid bike‑park passes add up quickly. If your kit is lost, stolen or smashed in transit (or you have to cancel after an injury) we reimburse those non‑recoverable costs within generous limits.
Lock in cover before you clip in, not after the crash. We handle the admin; you handle the trails.
Why choose our mountain biking travel insurance?
Choosing Rise & Shield’s mountain biking travel insurance means opting for coverage crafted for the adventurous spirit. Here’s what makes us stand out:
- 24/7 Customer Support: Our team is always ready to assist, no matter how remote the trail, so you can focus on the ride, not the risks.
- Streamlined Claims Process: Our simple claims process lets you file quickly and get back to the adventure without delay.
- Competitive Premiums: Offering high-value protection at a price suited to outdoor enthusiasts, our insurance covers the specific needs of mountain bikers.
- Customisable Coverage: Options to add extra protections for high-altitude and adventure biking let you tailor your coverage to fit any route you choose.
With Rise & Shield’s mountain biking travel insurance, you can tackle each trail with full confidence, ready to ride on and conquer the next hill.
How do I buy mountain biking travel insurance online?
Getting covered with Rise & Shield is easy. Follow these simple steps to secure your trip:
Get a Quote: Start by entering your trip details to receive a personalised quote.
Customise Your Plan: Tailor the coverage options to meet your specific needs.
Receive Instant Confirmation: Purchase and instantly receive your policy details via email.
Mountain biking travel insurance FAQs
No. You’ll need our Adventure Plus add‑on for cross‑country riding or Adventure Extreme if you’re heading to downhill trails. Without the right add‑on, bike‑related claims are rejected.
Sorry, no. We insure recreational riding only. Competitive events, timed races, gap jumps and freestyle parks sit outside our cover.
We organise and pay for pre‑approved helicopter or ambulance evacuations. An excess applies, but the six‑figure flight bill is on us.
Absolutely. Riding without a helmet (or other mandated protective gear) voids any bike‑related claim.
Personal Effects cover protects bikes and kit up to generous limits, and you can boost single‑item cover with our High‑Value Items add‑on.
Yes, as long as the e‑bike meets local power‑assist laws and you’ve chosen the correct add‑on (Plus for XC, Extreme for downhill). Damage to batteries in transit is also covered within baggage limits.
Yes. Pick “Already Overseas” during checkout, and cover begins after the standard waiting period.
A flat excess applies to most sections, with a higher one for helicopter rescue. It’s shown clearly in the policy wording.
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Rise and Shield is a trading style of Optimum Global Limited, which is authorised and regulated by the Financial Conduct Authority. Optimum Global Limited’s Firm Reference Number is 453654, you can check these details at https://register.fca.org.uk or by calling the Financial Conduct Authority on 0800 111 6768. . Registered address: Optimum Global Limited, 4th Floor, 21 Perrymount Road, Haywards Heath, West Sussex, RH16 3TP, UK. Optimum Global Limited is registered in England and Wales. Company Registration number 05347793.