MTB and gravel 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.
Cover against theft, accidental or malicious damage to your bike and accessories.
Public liability cover against damage or injury caused by you.
Bicycle & Cyclist Cover
Cover against theft or damage to your bike and accessories, plus public liability for you.
Why get insurance for your mountain bike?
Mountain, downhill and gravel biking comes with its own set of risks. Not only are the challenges more physically demanding on you and your bike, but the chances are you’ll travel further to find the best trails.
Even if you’ve added your bike to your home contents insurance, it may not be covered while you’re out and about.
Check your existing home contents insurance policy to see whether it covers you for:
- Accidental damage while you’re cycling or taking part in a sportive
- Theft away from your home
- Malicious damage
- Taking your bike abroad
- Replacement bike hire
- Taxi fare reimbursement
- Cycling accessories, including personal gear and additional wheelsets
Downhill biking puts a particular kind of strain on your bike, which many home and contents insurers won’t cover. Direct Line Cycling Insurance will cover you for accidental bike damage, and may be more cost-effective than adding your bicycle to your home contents insurance.
Taking out our specialist cycling insurance also means your claim will be handled quickly by a knowledgeable and experienced team. Just what you need to help you get back on the tracks.
Get a quote today and get your bike covered straight away.
Why choose Direct Line Cycling Insurance?
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.
They’ll also aim to resolve your claim within one working day. Nobody likes waiting, so once they’ve got all the relevant information, they’ll get you back on your bike as soon as possible.
With Direct Line Cycling Insurance, you’ll 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, you can save 10% by adding it to your policy. It could be your partner's bike, or another member of your immediate family. As long as they live with you, you can insure all your family's bicycles.
- 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.
Bicycle cover for every type of adventure
Mountain and gravel bike challenges
If you’re just starting out, you may not need cover for events, but if you decide to take part in sportives or challenges, you can add our Race and Event cover to your cycling insurance:
It’ll cover you for:
- Damage to your bike during a competition or group event
- Theft or damage to your bike while on MTB or gravel trails
- Reimbursement of entry fees for any cycling events you’ve entered and can’t compete in because you’ve hurt yourself while riding your insured bike
Travel Cover for your bike
Need cyclist insurance, too?
- Up to £2,000,000 public liability cover as standard
- Optional personal injury cover
- Optional emergency medical cover, including dental care, optical care and physiotherapy
Keep your bike safe
Need more help?
Frequently asked questions
Whether it’s for a leisurely family ride by the seaside, or a sweaty Sunday sprint, getting bicycles from A to B often calls for more than just pedal power.
Even a basic bicycle for travelling between work and home can be expensive, so it's no surprise that bikes are a popular target for thieves.