Mountain biking is definitely one of the more adrenaline rich sides of cycling and brings with it more than a few risks, whether it’s rocks, trees or the drops we so freely throw ourselves off in the pursuit of speed.

Insuring your bikes, kit and yourself could make life easier if you, your bikes or kit sustain any damage on the mountains & trails. It’s a completely personal decision as to whether or not you need it : we’re coming at it from spending a lot of time in the mountains and having experienced a few expensive mistakes.

So why would I need mountain bike insurance?

The main reason anyone gets insured is to provide protection in the event there’s an incident involving any of your equipment, be it damage, theft or loss. When building the Bikmo policy we looked at our own riding at trail centres, natural trails and overseas riding. We looked at what could potentially happen and added features to protect against those risks.

Accidental damage

One of our riding friends recently pulled the rear dropout off his Yeti SB5 in a crash at a trail centre. The damage was outside the manufacturer warranty, which is often the case with crash damage, and billed at £2000 to repair. Bikmo covers you for the amount you specify for accidental damage whether at a trail centre or carving routes on natural trails.

Bike accessories & spares / clothing & headgear

Ride with a Garmin or wear an expensive helmet, neck brace or shoes? If you take a spill and make a claim on your bike then you have a minimum of £250 or 10% of your total sum insured for each accessories and clothing/headgear.

Older policies may have differing levels of clothing, headgear and accessory cover. Please refer to your schedule to confirm the level of cover provided under your policy.

To find out what is included, check our Product Definitions.


Ever noticed how many bikes are left racked up at trail centres when you’re enjoying a burger & coffee after your first loop? Unfortunately, there’s a few light-fingered folk around that won’t think twice about stealing your pride and joy and it’s happening more often than we’d like. Bikmo covers you for theft, or vandalism if someone else damages your bike. Check here for more information on theft cover.

Public liability

It gets busy on the trails and collisions do happen. If you hurt someone else or damage their bike then you may be liable for compensation. Choose Bikmo PLUS and RACE to add £2m public liability to Bikmo to cover any situations with third parties.

Mountain bike travel insurance

The UK has some great riding, but with the draw of 6000ft Alpine descents within a short flight, more of us are travelling to make the most of them. If you rip your rear mech off in France or your bike gets crunched by a less than competent baggage handler then you’re going to need a bit of help. Bikmo has year round worldwide cover as standard. We’ll cover an emergency bike to the same specification as yours and we can even help source a replacement bike if the worst happens on route or just before you travel. Check out our MTB Travel Insurance post for more information.

So do I need MTB insurance?

Unfortunately, there’s a lot that can go wrong wherever you’re riding and we’ve experienced the sharp end of it. If you’d like some protection for the incidents you can’t plan for, then we’d love to cover you. You can choose from 3 cover levels at Bikmo to suit your riding. Get a quote and see how easy it is to protect your passion.