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You should insure your cycle for the full Recommended Retail Price.
Please refer to our FAQs below for more information.

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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

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Why choose our specialist insurance cover?


Lloyd's of London coverholders icon-thin-chevron-down

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 icon-thin-chevron-down

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 icon-thin-chevron-down

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 icon-thin-chevron-down

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 icon-thin-chevron-down

Inclusive insurance for your cycle accessories or specialist helmets & clothing. You can increase the sum insured limits if required


Public Liability - Optional icon-thin-chevron-down

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 icon-thin-chevron-down

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 icon-thin-chevron-down

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 icon-thin-chevron-down

You can extend your policy to include cover whilst using your cycle to take part in competitions such as cyclo-cross or triathlons