What to do after a crash on a remote trail?

Call mountain rescue via 112 if isolated Keep the intervention report and initial medical certificate Notify AXEO Assistance as soon as possible Send the supporting documents (invoices, reports)

Mountain Bike Insurance : XC, enduro and e-MTB

Q: Is my MTB covered against theft?

Our contract protects only the rider, not the bike or protective gear. To insure your MTB against theft or damage (often €3,000 to €12,000), add the Baggage option or take out a dedicated bike policy with a specialised insurer.

Q: What is the difference with downhill MTB insurance?

This page covers cross-discipline MTB : XC, all-mountain, enduro, MTB touring, e-MTB. For pure downhill in bike park or DH competition, see our dedicated Downhill MTB page with reinforced cover specific to downhill.

Q: Are e-MTBs covered?

Yes. E-MTBs and electric trail bikes are covered like mechanical MTBs. The higher motor-assisted speed does not entail a surcharge as long as practice stays off public roads (trails, paths, bike park).

Mountain bike insurance : protection on every trail

Riding cross-country, all-mountain, enduro or e-MTB? Our personal accident insurance protects you in case of a trail crash, fracture or evacuation. Get a quote in a few clicks.

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complete and tailored mountain bike insurance

Trail crash healthcare expenses

Up to €150,000. Wrist fracture, knee injury, shoulder trauma, clavicle surgery after a root crash, wound suturing : MTB in natural terrain generates injuries specific to technical trails.

Search and rescue costs

Up to €50,000 per event. Mountain rescue evacuation, helicopter rescue from a remote singletrack, mountain police intervention, medical transport : high-altitude trails require heavy resources we cover.

XC and Enduro Competition option

The Competition add-on covers UCI XC events, Marathon Series, Enduro World Series (EWS), national XC and enduro cups, multi-day raids like Trans VTT, Cape Epic, BC Bike Race.

Disability benefit

Up to €200,000 per person. A root or rock crash in enduro can cause spinal injury, severe head trauma or permanent shoulder damage. Our disability cover handles serious consequences.

Why is mountain bike insurance essential?

MTB exposes you to technical trail risks : root crashes, banked-turn slides, rock impacts, technical descent accidents. The most frequent injuries (wrist, clavicle, knee) may require surgery and long rehab, not covered by standard insurance beyond basic caps.

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FAQ

Trouvez des réponses à toutes vos questions

Our contract protects only the rider, not the bike or protective gear. To insure your MTB against theft or damage (often €3,000 to €12,000), add the Baggage option or take out a dedicated bike policy with a specialised insurer.

Call mountain rescue via 112 if isolated

Keep the intervention report and initial medical certificate

Notify AXEO Assistance as soon as possible

Send the supporting documents (invoices, reports)

This page covers cross-discipline MTB : XC, all-mountain, enduro, MTB touring, e-MTB. For pure downhill in bike park or DH competition, see our dedicated Downhill MTB page with reinforced cover specific to downhill.

Yes. E-MTBs and electric trail bikes are covered like mechanical MTBs. The higher motor-assisted speed does not entail a surcharge as long as practice stays off public roads (trails, paths, bike park).

The price depends on your options, your departure country and the number of days of cover. Get your free online quote in two clicks, or see our Plans page. The daily plan suits a bike park weekend or a Pyrenean MTB raid, the annual plan with Competition option if you race XC or enduro.

Mountain bike insurance : protection on every trail

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