• Insurance for your mountain bike should it be stolen or damaged
• Insurance for you in case you should have an accident whilst using your mountain bike.

Ok, now many insurances will cover both of these instances, however it’s worth bearing in mind that you do get a number of options, and that they come at a pretty reasonable price considering what you are getting.

You can choose for just short term insurance, or you can choose something which is much longer term if you are out cycling almost every day. For example, if you only need the occasional cover, that is an option that you can go for. A holiday mountain biking.

So what do you get for your money?

If you need it, then you can get cover for:

• Damage to your bike
• Getting you home
• Dental work
• Loss of income due to accident

How much do you expect to pay?

£250 will cover you for all these things for the whole year. Which is about top for travelling in Europe.  There is a sliding scale as well which is a combination of how much cover you want and where in the world it is.

That makes perfect sense if you think about it.  If you are trapped in the middle of Paris (ahem) then the chances are you are not going to really struggle getting home.  It will be cheaper for the insurance company.

However, if you take a month long crossing some desert or other then you might need airlifting out.

Is there anything else you need to watch out for?

Insurance companies need to protect themselves from those few people who would try to fleece them.  So they have to wrap around themselves protective clauses.  When you are examining the schedule (the details) of the insurance policy, take some time making sure that you are fully covered, and that you are getting the best deal for your money.  And lastly, do check that the excess is worthwhile.

For more information about how to get the best from cycling fitness, take a look at the icyclelite website.

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