Key Facts about our service

Mountain Bike Insurance


Number 1 for Mountain Bike Insurance!

SportsCover Direct specialises in insurance for active people. Mountain Biking is one of the main sports we cover. We also cover Mountain bike competition! We can even arrange cover for your bike or towards damage when you go abroad upto a value of £600 under our sports equipment cover on the Gold level of cover. If your bike is worth more you can arrange cover through another company named Cycleguard, a specialist bike insurer who will cover any bike upto the value of £5000 and you can also take out this cover online!

Bicycle and cycle insurance from Cycleguard

What we do:

Every year thousands of mountain bike riders get covered with us for riding in the UK and when they go abroad on mountain bike holiday's to places like France and Canada.

The number of Mountain bike riders in the UK is on a steady increase - so is the number of injuries, both minor and serious. Whether it’s the risk to yourself or others that concerns you – you shouldn’t wait until it is too late. Be very aware that Mountain biking can be a very high risk activity, you only need to watch a MTB video or read a magazine to see just how dangerous it can be, and the fault for damage or injury might not be yours.

Whilst no-one can prevent Mountain biking accidents from happening we all have it in our power to reduce the effects when they do. Why not take action now, before an incident occurs?

Whether you are travelling abroad, wanting protection at home or are worried about loss of earnings we can cover you.

We will also cover a very broad range of other sports and leisure activities in addition to Mountain Biking. Our policies are increasingly chosen by Mountain bike riders in the UK and Ireland. Two types of policy are available for individuals, who are UK or Irish residents, to participate as amateurs.


SportsGuard, is a scheme that an increasing number of mountain bike riders use to gain personal accident and sports injury protection to insure against the financial effects of a sports injury sustained whilst mountain biking in the UK or mountain biking abroad (which can be covered on our VentureGuard activity travel cover).

The SportsGuard scheme is an annual policy offering 365 day, 24 hour worldwide sports accident cover whilst mountain biking, which can include:

  • Physiotherapy cover
  • Loss of Earnings cover if unable to work due to accident resulting in bodily injury whilst mountain biking
  • Personal Liability Protection in the case of damage caused to a third party whilst using your mountain bike
  • Legal expenses in event of liability action caused to another whilst on your mountain bike
  • Personal Accident Benefits if injured whilst mountain biking
  • Rehabilitation cover following accident during mountain biking resulting in bodily injury
  • Cover for all mountain bike activities and cover for all other sports in groups 2 and 1

Should you be taking the risk of a mountain biking related accident more seriously?

The number of mountain bike riders in the UK in on a steady increase. However due to this, so is the likelihood of injury, both small and serious. Whether it’s as a risk to yourself or others - mountain biking can sometimes be a dangerous activity. We can cover both standard mountain biking (off road all terrain) and also competitive mountain biking!

Whilst you cannot insure against the likelihood of physical injury whilst mountain biking – you can insure against the financial harm that follows temporary or permanent physical disablement from a mountain bike related injury.

Click here to see the Benefits Table for Gold, Silver and Bronze levels of cover.

Click here to see the Brochure

Click here to get an instant SportsGuard Mountain Biking quote NOW »

The VentureGuard scheme provides single trip or annual cover for UK residents for holidays world-wide and can include cover for Mountain biking anywhere in the world. Benefits include:

  • Medical expenses following an accident whilst riding or illness during a trip and includes emergency repatriation cover
  • Personal Liability Protection (Third party liability) in the case of damage caused to a third party or third party property whilst riding during a trip
  • Cancellation cover for any costs due to cancellation or delay
  • Baggage cover and a sum towards bike cover

If you have existing travel cover with another insurer but it does not include cover for Mountain Biking, we can provide cover for your trip as a “TopUp”.

Mountain bike holidays should be fun but the unexpected can happen and by taking out a VentureGuard policy for your trip, you ensure that if you have an accident whilst on holiday, the most important issues can be taken care of such as medical expenses and personal liability.

Click here to see the Benefits Table for Gold, Silver and Bronze levels of cover.

Click here to see the Brochure

Click here to get an instant VentureGuard Mountain Biking quote NOW »

Travel Insurance
instant online quote
sports groups
benefits
terms & definitions
rates
policy key facts
claims
request info
downloads
Activity TopUp
TopUp Travel Insurance
instant online quote
sports groups
benefits
terms & definitions
rates
policy key facts
claims
request info
downloads
VentureGuard
Sports Accident Insurance
instant online quote
sports groups
benefits
terms & definitions
rates
policy key facts
claims
request info
downloads
YouthGuard
Sports Accident Insurance
instant online quote
sports groups
benefits
terms & definitions
rates
policy key facts
claims
request info
downloads
SportsGuard
Sports Accident Insurance For Teams
about TeamGuard
sports groups
benefits
terms & definitions
example rates
policy key facts
claims
request info
downloads
FootballGuard
Sports Accident Insurance For Teams
about FootballGuard
senior benefits & rates
junior benefits & rates
terms & definitions
policy key facts
claims
request info
downloads
TeamGuard