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Mountain Bike Insurance: compare cheap insurance quotes for your mountain bike

Mountain bikes are designed for off-road cycling, but that doesn’t mean you can’t ride them on British roads. But whether you ride your mountain bike on dirt tracks and mountainside trails or along bicycle lanes and roads on your commute to work, you’re under no obligation to take out a mountain bike insurance policy before you climb onto the saddle.

Still, just because mountain bike insurance isn’t a legal requirement in the UK doesn’t mean you shouldn’t consider investing in a policy.

In fact, there are a few very good reasons to insure your mountain bike, including:

• The risk of theft: Data from an annual crime survey carried out by the Office for National Statistics indicates that more than 300,000 bicycles are stolen each year in the UK. A relatively cheap bicycle insurance policy could help pay to replace your mountainbike if it’s ever stolen.
• The risk of a personal liability claim: If you injure a pedestrian or damage a car or other property while riding your mountainbike you could find yourself lumbered with a hefty liability claim, which you’d have to cover yourself if you didn’t have bicycle insurance with liability cover.
• The risk of personal injury: If you’re injured yourself while riding your mountain bike but are unable to claim on someone else’s insurance (because you collided with an uninsured cyclist, for instance) you could receive a personal injury pay-out from your own provider – provided you have mountainbike insurance in place at the time of the accident, of course.

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Insuring a mountainbike: A no-nonsense guide

How much does mountainbike insurance cost?

It’s tricky to pinpoint how much mountain bike insurance is likely to cost until you compare quotes from different providers, because the insurance premium calculations will be based on a wide range of factors, many of which are unique to you – for instance, your location, the crime rate in your area, the type of mountainbike you own, how much the bike is worth, the type of bicycle lock you use when securing your mountainbike and whether or not that locking device is insurer-approved will all influence the cost of your mountain bike insurance.

The best plan is to use our bicycle insurance comparison service to compare quotes from a range of providers, and then go for the most suitable policy at the most competitive price.

How can I find cheap mountain bike insurance?

There are a number of things you can do that will increase your odds of finding cheap mountain bike insurance. Here are a few factors worth considering:

* Use an insurer-approved lock when you’re securing your mountain bike: Locks that are rated as ‘Sold Secure’ are approved by most mountainbike insurers, but there are three Sold Secure ratings (Gold, Silver and Bronze) so you’ll need to make sure you choose a lock with a rating that matches the value of your bike. If your mountain bike has an insurable value of £1,000 or more, for instance, your insurer might insist that you secure it with a Gold Sold Secure lock, whereas Silver or Bronze locks might satisfy your insurer if the bike is less valuable.
* Register your mountain bike on bikeregister.com, the UK’s national cycle register database: It’s free to register, and if you also buy one of the register’s security marking kits the cost of your insurance could fall a little.
* Opt for a higher voluntary excess: If you increase the excess on your insurance policy you could be offered cheaper mountain bike insurance premiums. Of course, this does mean you’ll have to cover a higher proportion of the costs yourself if you ever have to claim on your insurance.
* Add your mountainbike to your home insurance policy: If your bike isn’t a high-end model you could be able to add it to your standard home insurance policy, which would mean your bicycle is covered without the need for a separate insurance policy. However, it’s important to double check the small print if you choose to cover your mountainbike under your home insurance, as some policies may only insure it while it’s stored at your own home.