If you love nothing more than pedalling your way up and down hills and over tough terrain, then our mountain bike insurance is perfect for you. For the adrenaline junkies among us, there are few better feelings than racing down a mountainside and navigating the twists and turns before arriving safely at the bottom. It takes a great deal of skill and courage, and it certainly makes the long slog to the summit more than worth it. If you’re one of the many mountain bike (MTB) enthusiasts in the UK, you’ll want to ensure you’re properly protected whenever you’re out and about. That’s where mountain bike insurance from ALA comes in.
Please choose the value of your bike to get an idea of fixed premium.
We’ll cover you from
Our MTB insurance policies can offer you that all-important peace of mind for every adventure. Below is a brief summary of what is included as standard and what you can add to ensure your cover is tailored perfectly to your bike and your riding lifestyle.
Comprehensive theft cover (at home & away)
Covers theft or attempted theft, whether your bike is at home or out and about, as long as security requirements are met.
Accidental & malicious damage cover
Protection if your bike is damaged in an accident or through vandalism, helping avoid costly repairs.
Repair or replacement cover
Pays to repair or replace your cycle up to your insured value.
New-for-old replacement available for bikes under 3 years old (if bought new).
Flexible payment options
Pay annually or monthly by subscription.
Covers a wide range of cycles
Includes standard bikes, e-bikes (within legal limits), tandems, and more.
High-value cover available
Insures bikes up to £15,000 in value
Cover wherever you ride (UK + optional worldwide)
Standard UK cover, with optional worldwide protection for up to 90 days.
Optional commuting & competition cover
Extend protection for everyday commuting or organised cycling events.
Cycling accessories cover
Protects helmets, clothing, GPS devices, and more against theft or damage.
Public liability protection
Covers legal costs and compensation if you accidentally injure someone or damage property while cycling.
Personal accident cover
Pays a financial benefit if you’re seriously injured while riding
Replacement cycle hire
Covers the cost of hiring a bike while yours is being repaired or replaced.
Cycle breakdown assistance
MTB insurance is the safety net that we hope you never have to use, but it certainly makes sense to protect yourself. There’s no denying it’s a hobby that’s not without danger, and a mountain bike insurance policy from ALA covers damage to your pride and joy and can include Personal Accident cover. Just remember, if you do want personal accident cover to include it as an add-on during the quote or purchasing journey.
Not only that, but we offer plenty of optional additional benefits to our mountain bike insurance policies so you can build the cover that’s going to provide the protection that you need.
Getting a quote for MTB insurance could not be easier – all you have to do is enter a few details into our online form.
View Policy Wording and IPID for Cycle Insurance
We’re fully committed to putting our customers first, which is just one of the reasons why we have a five-star rating on Trustpilot. So, if you have any questions about mountain bike insurance or any other form of cover, please don’t hesitate to give us a call on 01653 916642 or email us at info@ala.co.uk. Our friendly, expert team will be happy to help in any way they can.
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