Mountain Bike Insurance

Mountain biking comes in many forms – you might get your kicks tackling steep downhill courses, or perhaps you prefer a less technical challenge like off-roading on scenic gravel trails.

Whichever way you ride, get the cover that’s right for you and your bike. Choose from our three cover types and add optional extras – like cover for racing or travel – if you need them.

When you get bike insurance through Direct Line, you’ll only pay for what you need. Nothing more.

Bicycle Cover

Cover against theft, accidental or malicious damage to your bike and accessories.

Find out more

Cyclist Cover

Public liability cover against damage or injury caused by you.

Find out more

Bicycle & Cyclist Cover

Cover against theft or damage to your bike and accessories, plus public liability for you.

It takes a fellow rider to understand just how important your wheels are. That's why the team behind Direct Line Cycling Insurance has specialist knowledge and a passion for two wheels. You'll find them out most weekends, exploring new routes, fine-tuning their gears and testing out new kit. They get it, they really do.

That’s why the cycling team want to help you get back on your bike as soon as possible. Nobody likes waiting, so once you’ve provided all the information needed, they’ll aim to resolve your claim within one working day.

With Direct Line Cycling Insurance, you can get cover for:

• Accidental or malicious damage
  If something happens while you're out cycling, your bike will either be repaired, or the damaged parts will be replaced.
• Theft (from your home or away)
  As long as you've secured your bike with an approved lock and followed the required security measures, your bike will be covered against theft.
• Theft from a roof rack or trailer
  Provided it hasn't been left unsecured or unattended (see approved locks for more information).
• Reimbursement for cycle hire and transport costs
  If your bike's out of action, you'll need some wheels to get around on - especially if you're training for an event. That's why you'll get up to £500 to hire a suitable replacement, or to cover your transport costs while your bike is being repaired or replaced.
• Onward travel
  If your bike's stolen or you've had an accident and can't cycle, you'll be reimbursed the cost of your taxi fare to get yourself and your bike home, to the nearest station or bike repair shop – whichever is closest.
• Roof rack and transit cover
  Your bike is covered for any damage caused while you're transporting it securely.
• Multi-Bike Discount
  If you've got another bike worth over £250 to insure, save money by adding it to the same policy. The more bikes you insure, the more you'll save, with 10% off your second bike and 15% off three or more bikes. The most valuable bike will be counted as the first bike on your policy, so discounts will apply to each bike thereafter. Excludes optional extras.
• New for old replacement
  If you need to claim for a total loss of your bike due to theft or irreparable damage, we'll replace your bicycle with a comparable make/model up to your benefit limit, if you bought it new. If your bicycle is second-hand or discontinued, we'll reimburse you for it's current market value, subject to depreciation.
• Your cycling kit
  You'll get up to £250 cover for your cycling kit, which includes accessories, clothing, helmets, GPS, additional wheelsets and your bike box. Please note, this cover is only valid as part of a larger claim for damage or theft of your bicycle. So, if your helmet is stolen from your bag, it's not covered. If it's damaged in an accident which also damaged your bike, it will be covered.
• Cycling gear worth over £250
  If your kit is worth more than £250, just let us know how much it's worth when you get a quote, and we'll include the extra cover in your premium. We can insure your cycling accessories up to the value of £5,000.