--- title: Mountain Bike Insurance date: 2022-08-26T10:51:00+01:00 author: Bob Andrews canonical_url: "https://www.assetsure.com/bicycles/bicycle-insurance/mountain-bike/" section: News --- Our Customers Love Us! Bicycle Insurance [Trustpilot](https://uk.trustpilot.com/review/assetsure.com) [Home](/) › [Bicycle Insurance](https://www.assetsure.com/bicycles/) › [Bicycle Insurance](https://www.assetsure.com/bicycles/bicycle-insurance/) › [Mountain Bike Insurance](https://www.assetsure.com/bicycles/bicycle-insurance/mountain-bike/) # Mountain Bike Insurance Mountain Biking is the sport of riding bicycles "Off-road", often over rough and uneven ground. It can be physically demanding on both the cycle and the rider. A feature of Mountain Bikes is components that enable the cycle to cope with the terrain conditions and to help ensure a more enjoyable riding experience for the cyclist. There are various types of Mountain Bike (MTBs) including: hardtails, full suspension and rigid and it’s safe to say that whilst not all MTBs are really designed for cycling up a mountain; these versatile machines are built for extreme toughness and can be pushed to limits where other cycles would be simply bailing out. The good news is whether you’re in to: cross country, downhill, endurance or trail or dirt riding, a policy from Assetsure will cover your mountain bike against accidental damage including whilst in use. If you’re more adventurous and want to take part in competitions we have an option to increase your cover to include competition use. ## Why Assetsure Our policy is underwritten by HCC International Insurance Company with value for money "Core" covers and a range of optional extras suitable for riders of mountain bikes who demand as much from their insurance as from their cycles. These optional extras include: Competition use, Personal Accident and Public Liability. If you have any requirements not catered for on our website, please call our office and we will do our best to assist. ## Features of our Cover - Cover against accidental damage and loss up to £12,500 - Theft cover (at home and away) - Accessories cover - Replacement cycle hire costs - Cover for helmets and clothing - Legal expenses insurance £100,000 - Monthly payment option - 45 days European Cover ## Optional Extras - Public Liability Insurance - Personal Accident - Get you Home Costs - Competition Use - Cover for other family members ## Latest News & Advice [![Types of Bicycle Valve](/assets/uploads/images/_800x405_crop_center-center_none/tyre-valve.webp)](https://www.assetsure.com/bicycles/bicycle-insurance/types-of-bicycle-valve/) ### [Types of Bicycle Valve](https://www.assetsure.com/bicycles/bicycle-insurance/types-of-bicycle-valve/) There are several types of bicycle valves, each with its own unique design and characteristics. In this article, we'll delve into the various types of bicycle valves commonly used in the cycling world. In fact, in the United Kingdon you will really only encounter the first two on this list.... [![Guide to Different Bicycle Types](/assets/uploads/images/_800x405_crop_center-center_none/bmx-banner.webp)](https://www.assetsure.com/bicycles/bicycle-insurance/guide-to-different-bicycle-types/) ### [Guide to Different Bicycle Types](https://www.assetsure.com/bicycles/bicycle-insurance/guide-to-different-bicycle-types/) In this article, we will delve into the world of bicycles and explore the different types that have captured the hearts of British cyclists.... [![Different Types of Bicycle Tyre](/assets/uploads/images/_800x405_crop_center-center_none/bike-tyre.webp)](https://www.assetsure.com/bicycles/bicycle-insurance/types-of-bicycle-tyre/) ### [Different Types of Bicycle Tyre](https://www.assetsure.com/bicycles/bicycle-insurance/types-of-bicycle-tyre/) Bicycle tyres are an essential component that significantly impacts the performance and comfort of a cyclist's ride. Making sure you have the correct tyres fitted can help to improve your overall cycling experience.... [More News](https://assetsure.com/news) ## Why choose our specialist insurance cover? ### Lloyd's of London coverholders We hold prestigious Lloyd’s of London cover holder status where most of our policies are underwritten. We also place business with major UK insurers ### Accidental Damage & Theft Included The two “must have” covers are both included in our policy. Loss of your cycle by “Theft” is provided at, and away from your home. ### Legal Expenses - Included We provide £100,000 of cover. This is essential for persons using their cycle on busy roads and can help with making a claim for injury or damages against a third party. ### Replacement Cycle Hire - Included Ideal if you need your cycle to travel to work or to take part in an event such as Cyclo-Cross or a Triathlon and your own cycle is unavailable following theft or damage. ### Accessories, Helmets & Clothing - Included Inclusive insurance for your cycle accessories or specialist helmets & clothing. You can increase the sum insured limits if required ### Public Liability - Optional Protects you against claims from a third party which could include; a pedestrian, another cyclist or a motorist. Choose from either £1 million or £2 million cover ### Personal Accident - Optional Provides you with a capital sum if you are involved in a serious accident whilst using your cycle. You can choose a level of cover to suit your needs. ### European Use - Optional For a small additional premium, you can extend your policy to cover you for up to 45 days use in the European Union. ### Competition Use - Optional You can extend your policy to include cover whilst using your cycle to take part in competitions such as cyclo-cross or triathlons [Trustpilot](https://uk.trustpilot.com/review/assetsure.com) [ View All ](https://uk.trustpilot.com/review/assetsure.com)[ Get Quote ](#quickQuote) [Most Popular](#tabs__tabmost-popular)[Jewellery](#tabs__tabjewellery)[Leisure](#tabs__tableisure)[Collectables](#tabs__tabcollectables)[Events](#tabs__tabevents)[Hearing Aids](#tabs__tabhearing-aids)[Property](#tabs__tabhomes) [#### Engagement Ring Insurance ![Engagement Ring Insurance](/assets/uploads/images/_tabLinkThumbnail/engagement-ring-feature.webp)Get an instant quote](https://www.assetsure.com/jewellery/engagement-ring-insurance/) [#### Watch Insurance ![Watch 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