Comprehensive Insurance for Downhill Mountain Biking

Emergency Transport & Mountain Repatriation

A crash on a steep descent or rocky Alpine trail can require fast intervention. Our cover includes full medical transport and repatriation, ensuring you’re safely transferred from the trail to the nearest medical centre — or back home — with no additional charges. Whether it happens in a UK bike park, a European mountain resort, or a remote backcountry zone, you’re never left without assistance.

Medical & Healthcare Costs

Downhill MTB exposes riders to high-impact injuries such as broken bones, sprains, shoulder dislocations, and head trauma. Our insurance includes up to £150,000 in medical expenses, covering A&E visits, hospital stays, scans, surgery, physiotherapy, and long-term rehabilitation — everything you need to recover properly after an accident on the mountain.

Competition & Professional Rider Options

If you take part in DH competitions, enduro stages, freeride events, or international MTB festivals, our Competition option provides enhanced protection tailored to race conditions. Whether you’re hitting a World Cup-inspired track, a Red Bull-style freeride line, or a local downhill league, you benefit from reinforced guarantees designed for high-speed, high-risk performance.

Injury & Disability Compensation

A severe crash in downhill mountain biking can have long-term consequences. In the event of partial or total disability, our cover provides up to £200,000 in financial compensation, helping you maintain financial security while you focus on recovery. This support is essential for riders whose lifestyle, work, or passion depends on physical ability.

Why Take Out Downhill Mountain Bike Insurance?

Downhill MTB is one of the most demanding and high-risk disciplines in cycling. Speed, steep gradients, roots, rocks, and unpredictable terrain dramatically increase the chances of crashes — even for skilled riders equipped with full-face helmets, body armour, gloves, and neck protection. One mistake on a technical section or a misjudged landing can lead to serious injuries requiring rapid medical attention. With Assure Ton Sport, you’re protected on UK trails and worldwide, whether you’re riding at a bike park, exploring Alpine downhill routes, or travelling abroad for an MTB holiday. Our insurance ensures immediate assistance on the slopes, full medical cover after an accident, and access to specialised mountain rescue services when needed.
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Trusted Expertise in Downhill MTB Insurance

At Assure Ton Sport, we specialise in protecting downhill, enduro, and freeride riders with fast, mountain-ready assistance whenever an accident happens. Our plans are designed for everything from weekend sessions in UK bike parks to full weeks in Alpine resorts, international downhill trips, and competitive MTB events. With tailored coverage for chairlift-accessed parks, rough terrain, and high-speed descents, you benefit from responsive support, medical cover, and reliable compensation wherever you ride.

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FAQ

Downhill MTB insurance typically includes medical expenses after a crash, rescue and evacuation on steep or remote trails, and compensation for injuries sustained during practice or competition. Policies often cover physiotherapy, rehabilitation, and repatriation if an accident occurs while riding abroad. With Assure Ton Sport, you can also add enhanced options for competition days, travel abroad, and high-value MTB equipment protection.

Yes. Standard travel or home insurance rarely covers downhill riding, as it is considered a high-risk sport. Dedicated downhill insurance ensures you are protected on chairlift-accessed trails, technical tracks, and steep descents where crashes are more frequent. This includes immediate medical support, emergency transport, and full coverage whether you’re riding in the UK, France, Austria, or any major European MTB destination.

With our Competition Option, you are fully protected during timed runs, official downhill races, enduro stages, freeride contests, and MTB festivals. This option includes reinforced medical cover, increased compensation limits, and guaranteed assistance on event sites. Whether you’re entering a national series, a local club race, or a European downhill challenge, your protection stays active throughout the event.

You can add optional cover for your downhill bike, carbon frame, suspension components, and protective gear. This protects against theft, accidental damage, and equipment loss during travel. Riders who own premium models from brands like Trek, Santa Cruz, Marin or Mondraker often choose this add-on to secure their investment, especially when travelling to mountain resorts.

Absolutely. Our downhill insurance includes international coverage, making it ideal for MTB holidays in the Alps, Pyrenees, Canada, or New Zealand. You’re covered on guided trips, uplift-assisted riding, backcountry trails, and multi-day enduro adventures. Assistance teams are available 24/7 to coordinate mountain rescue, hospital transport, and repatriation if needed.

Choosing the right plan depends on how, where, and how often you ride. Casual riders who visit bike parks a few times a year may prefer a standard medical and rescue package, while frequent downhill or enduro riders often select a plan with extended coverage for repeated lift-access days, international trips, and higher compensation limits. If you take part in timed races or freeride events, the Competition Option is strongly recommended for increased protection during high-intensity runs. Our advisors can help you compare options, understand coverage limits, and select the plan that best fits your terrain, experience level, and equipment value.
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