Travel Insurance when Cycling and Mountain Biking

Explore the world on two wheels with confidence

Cycling and mountain biking offer exhilarating ways to explore new destinations. Whether you’re tackling rugged mountain trails or enjoying scenic road rides, choosing the right travel insurance is essential to protect yourself and your gear.

Are you covered for mountain biking?

Travel insurance cover is available if you get hurt or injured while cycling or mountain biking on your trip overseas, or if you take your bike with you and it’s damaged while in transit.

At Travel Insurance Direct, we provide coverage designed to keep you safe on all your cycling adventures.

Why choose Travel Insurance Direct?

• Flexible coverage: Our policies cover a wide range of cycling activities, from leisurely rides to mountain biking.
• Gear protection: We protect your valuable equipment, ensuring you can continue your journey even if something goes wrong.
• Medical assistance: Access 24/7 emergency medical support worldwide.

TID offers a choice of four plans - Domestic, The Basics, The Works, and Annual Multi Trip, some of the cover highlights of our plans include:

• Cancellation costs
• Overseas medical expenses
• Travel delay
• Baggage and personal effects
• 24-hour Emergency Assistance
• Snow Sports cover (optional)
• And much more…

Gear up for your next adventure with confidence. Get a quote now and consider protecting your cycling and mountain biking trips with Travel Insurance Direct. Travel smarter, travel safer.

Ideal mountain biking and cycling destinations

1. Whistler, Canada: Renowned for its challenging trails and stunning scenery.
2. Moab, USA: Famous for its red rock landscapes and diverse trail options.
3. Rotorua, New Zealand: Offers world-class mountain biking trails in lush forests.
4. Chamonix, France: Alpine terrain perfect for both road cycling and mountain biking.
5. Queenstown, New Zealand: A hub for thrill-seekers with varied trails for all levels.

Travel tips for cyclists and mountain bikers

• Plan your route: Research trails and routes in advance to ensure they match your skill level.
• Pack essential gear: Always carry a repair kit, extra tubes, and a first-aid kit.
• Stay hydrated: Keep hydrated, especially on long rides and in hot climates.
• Check local regulations: Some destinations have specific rules for cyclists.
• Protect your gear: Use sturdy locks and consider insurance for high-value items.

What’s not covered

There are also a number of exclusions, which include:

• Extreme sports mountain biking, bike paragliding or cliff jumping on a bike.
• A loss arising from participating in or training for a competition or race where you receive a financial reward (i.e., an appearance fee, a wage or salary).
• Normal wear and tear, including dents and scratches.
• Damage to sports and leisure equipment while in use or due to normal wear and tear, including dents and scratches
• Medical expenses in Australia
• Damage you cause to someone's property or if you injure someone due to your ownership, possession or use (including as a passenger) of a mechanically propelled vehicle, or any aircraft or watercraft.
• Traveling against advice - If you travel against medical advice or neglect to adhere to Department of Foreign Affairs and Trade ‘Do Not Travel’ warnings issued prior to departure. Find out more at Smartraveller. 

Need further advice?

TID’s Customer Service team is available to help you to understand the policy and what you may be covered for. Our travel safety team at TID work to keep customers informed and publish information on major events and Travel Alerts on our website.