Travel Insurance while Mountain Biking
Holidaying is a time for adventure and fun. It’s important that you get the most out of your holiday, should you decide to get on a mountain bike and do some exploring, cover is provided as long as you aren’t taking part in a competition.
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If you are going to be riding a mountain bike on your holiday, you should purchase travel insurance. All Travel Insurance Saver policies provide travel insurance for those who are planning on riding a mountain bike on their trip and some of our selected policies even allow for an increase to a specified item limit. This essentially means that you can insure your mountain bike, take it on holiday, and be provided covered while you ride it.
Extras
Taking extra precautions when it comes to participating in sporting activities which pose a risk is a must, not only to ease the process of claiming in the event of unforeseeable circumstances but also when it comes to personal safety! Travel Insurance Saver recommends wearing protective gear such as a bike helmet when going mountain biking on your holiday. If you fail to wear headgear while mountain biking and sustain an injury, you may not be covered. Always wear protective headgear while mountain biking.
Here is just some of the coverage offered which may apply to you if you go mountain biking while on your holiday:
Travel insurance plans can offer cover^ for:
- Hiring or riding your own bike;
- Unlimited’ overseas medical cover;
- Up to an unlimited amount of medical evacuation and repatriation;
- Personal liability;
^This is a summary of cover only. Cover is subject to the policy terms, conditions, limitations and exclusions as set out in the Product Disclosure Statement. Always read the Product Disclosure Statement before making a decision about any travel insurance policy
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Mountain biking has some obvious health risks, particularly for young children, the elderly and anyone who suffers from a previous or current physical injury.
If a scenario involving mountain biking aggravates an injury or existing medical conditions, you may be excluded from receiving full coverage unless you have applied beforehand for coverage for specified medical conditions.
Drinking alcohol or taking illicit substances while mountain biking is obviously very dangerous. If you sustain an injury while intoxicated your travel insurance claim may be declined, the same goes for failing to wear protective gear such as a helmet.
Specified Item Limit
If you want more coverage than the individual item limit, you may be able to apply for more cover for your bike if you purchased it within the last 12 months of applying for your quote, or if you have a had a valuation of your bicycle within the last 12 months of applying for your quote. To apply a specified item limit, you will need to include the bike details when checking out. An additional fee of the total value will be applied to your total premium. Specified Item Limit increase is not available on all travel plans.
Is the bike older than 12 months?
If your bike is older than 12 months and you want to get additional cover, you will need to get a bike valuation before applying for a specified item limit. You can get valuations by taking your bike you want valued to a licensed insurance valuator for a quote. This can be reputable bicycle store.
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Here are the products that you can include a specified item limit
Sporting equipment while in use is excluded on all travel insurance policies
Tips for mountain biking
Though your insurance won’t be affected by your technique, we’ve gone ahead and listed some biking tips for you. If you’re new to mountain biking there are a few handy ways you can help minimize how much you feel the bumps in the road, and how to minimize injury if you fall.
Your position
When you are mountain biking, the position you hold on the bike is very important. When you’re riding along level, non-technical parts of a trial, you’ll want to keep a neutral position. This position means keeping the pedals level with each other and your knees slightly bent so your bottom is off the seat, and your back should be quite straight the not totally vertical.
When your trail gets more mountainous, rockier or steeper, you’ll want to adjust your position to accommodate for the change. You should bend your knees further and your back should be parallel with the ground, almost leaning over the handlebars. This means you are in the ready position, you are ‘ready’ for the trail ahead.
Let the trail do the riding
When you ride a mountain bike, the idea is that you should let the bike do most of the work for you, letting yourself glide down-hill and rolling over as much terrain as possible. You should really just be peddling uphill. Also, don’t focus too much on the obstacles in the trail, the rocks, roots and tree branches, though you need to know they’re there, you should really be focussing on the trial ahead. If you focus on your obstacles you are more likely to hit them, just stay aware, look ahead and ride fluidly.
Take it easy
The most important thing to do while riding is to relax. If you are stiff or nervous you are more likely to make mistakes on the trial, just go slow. You are not racing, the idea is to enjoy the ride and take in the scenes around you. Unless you are an experienced rider you should never really ride too fast. Keep a relaxed grip on the handles and make sure you stretch out before your ride, the more limber you are on the bike the less you are to feel the trail, and the more comfortable your ride will be.
To ensure that you don't void your travel insurance coverage, please abstain from being intoxicated while mountain bike riding, and also ensure you wear protective gear such as a helmet.
Before deciding to purchase this product, please read the Product Disclosure Statement available from us.
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