Tailored Mountain Bike Insurance for Every Rider

Comprehensive Cover for Competitive & Pro Riders

Pushing your limits on the bike means higher risk — especially during MTB races, downhill events, or endurance competitions. Whether you're training for your next podium or pushing through technical terrain, our policies ensure you're fully insured against injury, damage, and event cancellations.

Medical Expenses Covered – Up to €150,000

Falls and crashes on forest trails, bike parks, or remote mountain paths can lead to high cycling injury treatment costs. Our plan includes robust medical cover — up to €150,000 — for hospital fees, rehabilitation, and emergency treatment following MTB accidents, wherever you ride.

Permanent Disability Protection – Up to €200,000

An accident that results in long-term physical impact or loss of mobility can be devastating. We provide up to €200,000 in disability compensation to support your recovery and future — essential protection for any serious mountain biker, trail rider, or competitive cyclist.

Emergency Medical Transport & Repatriation

If you're injured during a cycling holiday, mountain biking trip, or bikepacking adventure, we cover all real costs for medical evacuation and repatriation, in the UK or worldwide. From remote trails to European cycling destinations, you're never left without support when it matters most.

Why Mountain Bike Insurance Matters?

Mountain biking, road cycling, and electric bike (e-bike) riding come with real risks — and the consequences of a crash can be both physically serious and financially costly. That’s why hundreds of riders across the UK and Europe trust Assure Ton Sport every year.

We understand the challenges that come with MTB trails, downhill courses, and high-speed road cycling. Our dedicated insurance plans are built to protect you against the unexpected — from broken bones to damaged bikes and emergency medical needs.

Whether you're riding an e-MTB, tackling off-road trails, or cycling long-distance on tarmac, you need comprehensive cover that protects against injuries, accidents, collisions, and equipment damage.
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Trusted Expertise in Mountain Bike Insurance

At Assure Ton Sport, we’re proud to be recognised as a leading MTB insurance provider in the UK and across Europe. Riders from all disciplines — from downhill racers to weekend e-bike explorers — consistently give our cover 5-star reviews for the peace of mind it brings. Our insurance policies are tailored to suit all levels of biking — whether you’re training for a competition, riding intense cross-country trails, or simply enjoying weekend rides on your electric mountain bike (e-MTB).

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FAQ

Our mountain bike insurance provides full protection for MTBs, e-MTBs, gravel bikes, and road bicycles. Coverage includes:

  • Accidental damage from crashes, falls, or while transporting your bike.

  • Theft protection at home, at trail centres, or during bike travel.

  • Medical expenses up to £150,000 for injuries during trail riding, races, or training.

  • Public liability insurance if you injure someone or cause property damage.

  • Emergency medical repatriation when biking abroad

Absolutely. If you’re a regular trail rider, downhill cyclist, or take part in events, bike insurance is essential. It protects you from unexpected costs due to bike theft, accidents, or injuries — especially during UK mountain biking events or weekend adventures.

Yes. We fully cover e-bikes and electric mountain bikes that comply with UK regulations (250W motor, 15.5 mph limit). You get the same level of damage, bicycle theft, and injury cover as with standard MTBs.

You're covered under our bike theft insurance, even when travelling. As long as you're using an approved lock and your bike is secured, we protect against theft from locked vehicles, campsites, or bike travel tours across Europe.

Yes — and we offer multi-bike discounts. Whether you ride mountain, gravel, or road bikes, you can insure them all under one plan. You can also add family members' bikes to the same policy for convenience.

Excess varies depending on the insurance policy you choose. We offer flexible excess options to help you balance your monthly premium with your risk tolerance.

Yes. If you race or attend cycling events, just select our competition add-on when getting your quote. You're covered for event-based riding, both in the UK and abroad — perfect for enduro and downhill competitions.

Making a claim is fast and easy — 100% online claims portal, responsive support team, and quick payouts. Upload your proof of theft, damage, or medical costs, and our insurance experts will do the rest.

Yes. Our mountain bike travel insurance includes worldwide cover for theft, damage, and medical costs — whether you're hitting trails in the Alps, cycling in Spain, or on a weekend bikepacking trip across Europe.

Absolutely. We can cover high-value accessories like GoPros, GPS units, custom wheels, and bikepacking gear as part of your policy — just declare them when getting your quote. This ensures your full setup is protected in case of theft or damage.

To be covered for bike theft, you'll need to use an approved gold-rated bike lock (such as Sold Secure). This ensures your claim is valid if your bike is stolen from a public place, home, or while travelling.

Yes — if you use your MTB or e-MTB for daily commuting and recreational riding, you're still eligible for full cover. Our policy supports cyclists who use their bikes for both urban and off-road use.

Yes. Whether you crash during a solo training ride, hit a rock on a downhill trail, or take a fall during a skills session, our policy includes accidental damage insurance for your bike and medical cover for you.

Yes. You can add legal expenses cover to your policy — ideal if you're involved in a dispute after a crash or collision. Our public liability also covers third-party damage or injury caused while cycling.

Yes, we offer flexible policies with easy cancellation and pause options. Ideal if you're seasonal riding, or want to switch plans during the off-season.

Get a multi-bike discount, choose a higher excess if you want lower monthly premiums, and only include the cover options you really need. Our online quote system lets you build the best-value policy in just a few clicks.
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