Mountain Bike Insurance (MTB)
Public Liability cover for accidents, New for Old replacement if New bike is stolen and is less than 3 years old
Mountain Bike Insurance (Electric and Standard MTB)
Electric bikes are fast becoming a must-have form of transport. Electric mountain bikes are perfect for steep climbs or if riding in a group and need a little extra push to keep up with the rest. New legislation was introduced in 2015 which increased the maximum power to 250W, making them even more appealing to mountain bikers. These bikes are not cheap, and you should take out a separate electric mountain bike policy to cover for theft or damage. Normal household insurance offers very limited cover, please check with your own house policy to confirm conditions of cover, if indeed they are included.
Many people who have homeowners insurance falsely believe their mountain bike will be considered as content under that policy. In nearly all cases, if your MTB it is not specifically declared in the homeowner's policy, it will not be covered.
MTB Mountain Bike Insurance Options
This type of mountain bike insurance will protect the owner of the bike and the bike itself, just like a motor vehicle insurance policy. The following items are typical included in an MTB policy;
Are there additional items that can be covered in a mountain bike insurance policy?
Mountain bikes are more than just an option for commuting and exercise, they are also involved in competitive events. The additional coverage will protect those in competition at home and abroad. This insurance includes the standard protection as stated above along with the following;
Can I expect any type of discount on Mountain Bike Insurance?
The typical discount being offered by most mountain bike insurance companies is when you insure more than one bike. An average discount is up to 60% off for each additional policy after the first policy is issued.
Multi Mountain Bike Insurance
Mountain bike insurance can be expensive and if you have more than one then you need to look at multi bike mountain insurance. This is normally on offer with all providers of mountain bike insurance and is offered as a discount when adding additional bikes. So insurance for 2 mountain bikes will be cheaper than taking out separate insurance policies
Compare Mountain Bike Insurance at Renewal Time
With the ease of getting mount bike insurance comparison quotes it makes sense to always check for a better deal when it comes renewal time.