Downhill Mountain Biking Travel Insurance
Specialist cover for high-risk sports and adventure travel.
Get a quote24/7 Emergency medical assistance
Cover for specialist sports equipment
Up to £2500 for lost or stolen luggage
1 million+ Travellers protected
28 years Industry experience
Downhill mountain biking involves riding specially designed bikes down steep, technical trails, often over rough terrain that includes rocks, roots and sharp descents. The activity focuses on control, balance and speed, and is typically carried out on purpose-built downhill routes.
ActivitySure can cover downhill mountain biking when you are taking part abroad, provided the activity meets the policy conditions. Downhill mountain biking must be undertaken at an amateur level only. As the sport involves high speeds and challenging terrain, having suitable travel insurance in place before riding is important.
Choose the protection that fits your adventure
Excess £100
-
£1,000
-
£5,000,000
-
£750
-
£250
-
£200
-
£300
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£20 per 12hrs, max. £100
-
£5,000
-
£2,000,000
-
£250
-
£750
-
£60,000
Excess £75
-
£3,000
-
£10,000,000
-
£1,500
-
£250
-
£200
-
£500
-
£20 per 12hrs, max. £200
-
£7,500
-
£2,000,000
-
£250
-
£750
-
£60,000
Excess £0
-
£5,000
-
£10,000,000
-
£2,500
-
£250
-
£400
-
£1000
-
£20 per 12hrs, max. £400
-
£15,000
-
£2,000,000
-
£250
-
£750
-
£100,000
* Protection levels are based on overall cover limits, benefits and excess across each plan.
Choose the cover that fits your adventure
Single trip Downhill Mountain Biking Travel Insurance
Perfect for one-off adventures, holidays and activity breaks abroad.
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Annual multi-trip Downhill Mountain Biking Travel Insurance
Travel more for less with year-round protection across multiple trips.
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Whether you’re planning a one-off escape, an activity-packed holiday or travelling regularly throughout the year, our protection levels are designed to give you confidence at every stage of your journey. From emergency medical cover and cancellation protection to support while you’re away, you can choose the level of cover that best fits the way you travel and the adventures you take on.
Destination Insight
Where is popular for downhill mountain biking?
Downhill mountain biking is popular in destinations known for alpine or forested landscapes. The French Alps attract riders with lift-access bike parks and maintained downhill trails. British Columbia is well known for its extensive mountain biking networks, while Queenstown in New Zealand offers purpose-built tracks that draw riders from around the world.
Many travellers take part at established bike parks, where routes are graded and supported by onsite facilities.
Here's why downhill mountain travel insurance matters:
Downhill mountain biking carries a higher risk of falls and collisions due to steep gradients, uneven ground and speed. Injuries can occur even with experience and protective gear, and access to medical treatment may vary depending on location. Travel insurance helps protect you financially if you require medical care or need to return home following an accident.
Helpful travel tips
- Wear appropriate safety equipment, including a full-face helmet and protective pads.
- Check your bike before each run, paying close attention to brakes and tyres.
- Ride within your ability level and choose trails suitable for your experience.
- Control your speed, particularly on steep, narrow or technical sections.
- Take breaks between runs to avoid fatigue.Always follow trail signage, bike park rules and organiser guidance at all times.
Frequently asked questions
It’s not covered as standard. Downhill mountain biking is considered a higher risk activity, and you’ll need to add it to your cover specifically during the quote process. Standard cycling or leisure biking would not be the right fit for downhill trails, bike parks or purpose-built downhill routes.
It’s important to choose the right activity. Claims will only be considered for insured activities.
Yes - uplift days are common in downhill riding, especially at bike parks and mountain resorts. The key thing is that you’ve got downhill mountain biking declared and covered on your Policy Certificate.
Yes, as long as the activity is declared on your policy, you’re covered for emergency medical treatment in relation to it. There’s also cover available for hospital stays and repatriation, if medically necessary.
You must wear a helmet and all necessary safety gear while participating. You also need to follow venue rules and any instructor guidance, for cover to apply.
ActivitySure cover is for amateur participation only. You cannot be covered for professional downhill mountain bike racing, so if you’re being paid, sponsored as a professional, or competing under professional terms, this would not be suitable.
No. You can be covered for taking part in downhill mountain biking, but the bike itself is not covered. Travel insurance is there to protect you on your holiday, not to insure the bike you’re riding.