Mountain bike travel insurance
Can I get travel insurance for mountain biking?
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
Important:Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
- Some policies may not be available through Finder at this time
- It’s unlikely that your policy will cover expenses from border closures
Aussies are an adventurous bunch and many of them enjoy mountain biking. However, it can be quite the dangerous pursuit. It is for this reason that many insurers won’t cover you for mountain biking.
Some insurers provide cover if you are riding on roads or in organised tour groups, but most will deny you cover as soon as you mention downhill or off-road mountain biking.
There are a few exceptions. Insurers such as NoWorries and World Nomads offer cover for mountain biking, provided you observe normal safety requirements such as wearing a helmet and not putting yourself in harm’s way.
Travel insurance brands offering cover for mountain biking
Common travel insurance conditions related to mountain biking
Insurers that do cover mountain biking often impose conditions on how the bikes should be used, including:
- Wearing a helmet at all times
- Not participating in any form of racing or competition
- Observing all local road rules and laws
- Staying out of closed or restricted areas on designated mountain bike trails
- Not behaving recklessly or taking unnecessary risks
- Informing your insurer of the kind of mountain biking you’ll be partaking in
Degrees of cover also differ. World Nomads, for instance, will cover you for injuries you sustain while riding your mountain bike but provides no cover for the bike itself if it is lost, stolen or damaged.
Why do I need to tell my insurer if I’m planning to go mountain biking?
A travel insurance policy is a legally binding contract entered into by you and your insurer. Any actions or omissions by you that affect the terms of that contract can render it null and void.
If you don’t tell your insurer about a possible risk that could influence whether you can be covered or how much you are charged for cover, you run the risk of having your policy cancelled.
Whether it’s a high-risk activity, such as mountain biking, or a pre-existing medical condition, you must inform your insurer. It’s called Duty of Disclosure, and it protects your insurer from taking on a greater level of risk than was initially agreed upon.
Will I pay more for cover that includes mountain biking?
As most travel insurers won’t cover mountain biking, those that do are usually going to charge more for the additional risk they are taking on. But this can vary with insurers, as the following snapshot illustrates:
- Defence Health Travel Insurance. You can get cover for injuries caused in a mountain biking accident, including downhill mountain biking, but only up to $1,000. You will need to pay an extra premium to cover the value of your bicycle.
- World Nomads. World Nomads covers mountain biking, but cover for the bicycle is limited to $700.
- NoWorries Insurance. Cover for mountain biking includes theft of your bike anywhere in the world, damage whilst in use, damage whilst in transit, new for old replacement (if your bike is under two years old) and bike accessories, but there is a $250 excess on each area of cover.
How do I disclose my intention to go mountain biking?
You have a Duty of Disclosure to inform your insurer of your intention to go mountain biking on your holiday. If you do not tell your insurer of your plans to go mountain biking, any claim you make related to mountain biking will not be honoured.
You should disclose your intention to go mountain biking at the time of taking out your policy so that your insurer can inform you of whether or not you are covered and adjust the cost of your premium accordingly.
Tips for staying safe if mountain biking overseas
- Respect road and trail closures, and ride on open trails only
- Obey all bicycle speed regulations and recommendations
- Anticipate other trail users by slowing down at corners and blind spots, be prepared to stop if necessary and pass others safely
- Keep your equipment in good order and carry spares of everything
- If riding alone, always make sure someone knows where you’re going and when you’ll be back
What to do if you are injured overseas
If you injure yourself while mountain biking overseas, the first thing to do is to seek medical attention. If the injury is relatively minor, you may need to visit a medical practitioner, pay the fee and have your insurer reimburse you at a later date.
If the injury is serious and requires hospitalisation or evacuation, you will need to contact your insurer’s 24/7 Emergency Assistance service. This service will need to approve any hospital treatment you receive and possibly provide a guarantee of payment to the hospital on your behalf.
Find out more about specific sports travel insurance cover
Picture: Tony Harrison, licensed under Creative Commons Attribution-NonCommercial-ShareAlike 2.0 Generic (image cropped)
More guides on Finder
Border closures travel cancellations: Can you get a refund?
When lockdowns strike, what are your options - and will your insurance help?
Click Frenzy™ travel: The 10 best deals
This year the deals are coming back in a big way with offers including domestic and international travel.
Ex-Cyclone Seroja: What can home insurance cover?
Find out what your home insurance may cover you for if your property has been impacted by the severe weather of Ex-Cyclone Seroja. Plus, how to speed up your claim.
New Zealand travel bubble: Should I get travel insurance?
A quarantine-free travel bubble will allow Aussies to travel from 19 April. Before you book, here's what travel insurance will and won't cover you for.
BMW X7 car insurance
Thinking about buying a BMW X7? See average car insurance costs and find out about prestige car insurance
Best mountain bikes in Australia
These are the 6 best mountain bikes you can buy right now in Australia.
You can finally get COVID-19 travel insurance (but what does it actually cover?)
We took a closer look at two travel insurance policies which offer COVID-19 cover, so you know what you're getting for your money.
Mercedes-Benz E-Class car insurance
Find out how much the average Mercedes-Benz E-Class costs to insure, as well as how to find a prestige car insurer.
Electric bikes for kids
The key specs you need to consider when comparing e-bikes for children.
Electric bikes for the beach
The features you need to consider when buying an e-bike you can ride to the beach.
Ask an Expert