Biking Insurance

With the new all terrain bikes and mountain terrain bikes Mountain biking is become another sport which involves risk. Some insurance cover even the professional mountain bike competitions. Bike riders travel across the world for a biking holiday which may be a standard terrain of an off road all terrain in France, Canada or whichever mountain they feel they can conquer. The cover varies according to the provider and mostly covers

• Cancellation costs
• Baggage cover and bike cover(many cases this is too little)
• Medical expenses which are Personal Accident Benefits, Rehabilitation cover, Physiotherapy including repatriation.
• Personal Liability Protection
• Legal expenses in event of liability action
• Loss of Earnings cover if work is affected due to injury sustained in mountain biking.

You may have to take a separate insurance to cover the costs of damage to the mountain bike as many bikes are costly.

Mountaineering Insurance

Mountaineering expeditions are carried out to conquer the highest peaks. Some independent expeditions may be for smaller mountains. Some insurance companies specify the altitude and type of climbs and mention that extra premium is required in case of rock climbing or other climbs that do not go over an altitude of over 6000m. Mountaineering is a specific form of climbing which is a more difficult than ordinary climbing and so requires full cover. Authoritative bodies give grading for activities and in mountain climbing grades more difficult than Scottish grade 1 or Alpine PD or any equivalents are not covered by normal travel insurance. The cover is the basic medical expenses, trip cancellation, baggage loss, personal liability cover but the premium and compensation varies.

Backpacker's Insurance

Backpacker insurance cover suiting their needs of those who go on year long travel with backpacks. These travelers love the thrill of exploration. They go on wild life safaris in Africa, the outback of Australia, climb the Alps or the Himalayas. Hitch hiking is their normal mode and they are exposed to the dangers of nature and man. The cover for them typically is trip cancellation, Medical expenses, baggage loss. They can choose additional cover from the various options offered by the insurance company

Adventure Sport

If you engage in any extreme activities solely for leisure or recreation then the travel insurance you obtain is not sufficient. Adventure sports/extreme sport insurance cover is an additional cover you need to get. This is to protect you against injury or damage that may result due to participation in this dangerous/hazardous activity. The compensation and other benefits are more with this additional cover.

The amount of risk and the experience you have, in engaging in those risks determine your premium and compensation. The insurance companies give details and various clauses underlining the risks and grading the abilities of an individual so as to give you a better deal. In case your extreme sport does not fall under their guidelines you may not be able to make a claim.