Cycle Insurance for Mountain Bikers

Mountain bike insurance

If your main passion is mountain biking we can understand why. It’s a great individual sport that requires endurance, core strength and balance, bike handling skills and self-reliance. It’s also a sport which presents a number of risks to both rider and equipment, which is where cycle insurance can help.

Home Insurance alert
Home Insurance alert

Many cyclists are happy to have their home insurance cover their bikes as it’s usually inexpensive. However, don’t assume you bike is covered as home insurers will sometimes have limitations and exclusions on how your cycle can be used. Home insurance simply wasn’t designed to insure the modern cyclist.

Once outside the home, almost no home insurance covers accidental damage, personal accident, public liability or any of the other benefits usually associated with specific cycling insurance. Home insurers often impose large excess amounts commonly in the region of £500 and in addition to this, you home insurance ‘no claims’ may be effected. We recommend you carefully assess the level of cycle cover you have on your home insurance and what your exposure is in the event of claim.

Theft & Accidental Damage
Theft & Accidental Damage

If you bike is stolen or accidentally damaged, we’ll sort it out. Your bicycle may be stolen from your home or from outside your regular coffee stop, if the worst happens we’ll replace your bike with a brand new one if it’s under three years old. Any bike older than three years will be replaced with a like for like model. Either way, you’re covered. We even insure your bike when locked in your car or when secured to your roof rack.

You may be concerned about accidental damage if you’ve ever hit a pothole at speed, slipped on ice or cornered a little bit too fast. We’ll cover you for repairs or a complete replacement and even replace any accessories that were damaged at the same time.

Accessories & Clothing
Accessories & Clothing

At Wiggle we know how valuable a cyclist’s kit can be so we offer an optional cover to protect your GPS, clothing, footwear, wetsuit and all other accessories in the event they’re stolen or damaged. We are the only cycle insurance provider that allows you to insure accessories and kit without a maximum value. Just list it on your policy and you’re protected.

Emergency Private Medical, Dental and Physiotherapy
Emergency Private Medical, Dental and Physiotherapy

If you have a Wiggle Cycle Insurance policy you won’t need to wait in A&E if you need emergency treatment. Wiggle will provide you with up to £300 for private medical or dental care. We’re here to make your experience as painless as possible.

We know you’ll want to get back in the saddle as quickly as possible, that’s why we’ll give you cover for emergency access to a physio of your choice.

Active Cover
Active Cover

With so many sportives, charity challenges, time trials and mass participation events on offer, it’s essential to get insurance for you and your bike, before, during and after the finish line.

So if you regularly front the peloton or take part in a once a year charity challenge, Wiggle insurers you, your bicycle and your specified kit in the UK and globally if you select our global cover. Don’t risk riding without cycle insurance.

Get protection today from as little as £2 a month!

Our Cycle Insurance

Enjoy your ride in the knowledge that you have the right cover. Wiggle Cycle Insurance we’re for the good stuff.

We’ve made it easy for cyclists like you to find the right policy for your ride and your pocket. We offer three straightforward policies packed with extensive benefits to provide cyclists with cover you can rely on, exceptional value, and a claims service that will get you back on your bike as quickly as possible, should you need it.

/ ASSIST

If you only require rider insurance, assist could be the policy for you.
Personal Accident
Public Liability
Emergency Private Medical & Dental Treatment
Emergency Physiotherapy
Free Legal Advice
View all benefits

/ ESSENTIAL

All the personal protection benefits of assist plus insurance for your bicycle.
Theft
Accidental Damage
Personal Accident
Public Liability
Emergency Private Medical & Dental Treatment
Emergency Physiotherapy
Free Legal Advice
View all benefits

/ ELITE

When nothing but the best will do. Elite cover for you and your bicycle.
Theft
Accidental Damage
Global Travel Cover
Active / Sports Cover
Transition Cover
Replacement Cycle Hire
Taxi Fare Reimbursement
Personal Accident
Public Liability
Emergency Private Medical & Dental Treatment
Emergency Physiotherapy
Free Legal Advice
View all benefits

What we cover

Wiggle Cycle Insurance is designed to protect every type of bicycle.
There’s no need for specialist mountain bike insurance, triathlon insurance or road bike insurance – our straightforward policy fits all!​