Mountainbike (MTB) insurance & road bike insurance

Modern MTBs and roads bikes can cost a small fortune - it's not the sort of item you want to replace unnecessarily! Insuring your prized MTB* or racing bicycle will provide your inner cyclist with peace of mind - and the confidence to do solo rides in low-traffic areas!

Why MTB insurance makes sense
Whether you're a weekend warrior or a multiple-Epic enduro rider, chances are that your XC MTB, all-mountain or trail bike is your pride and joy. Not all of us ride carbon fibre full-suspension rigs, but even aluminium mountain bikes cost a bundle these days. Having said that, the high-end bikes are increasingly being targeted by robbers - places like the Rhodes Memorial and the Table Mountain contour path are far from safe, with increasing numerous of riders getting robbed of their top-end toys.

But beyond the high incidence of bike theft and robberies, there is also the transportation risk. If you've ever had the heart-wrenching displeasure of a bike climbing off your bike rack at 120km/h, you will know exactly what I'm talking about.

Although far less likely, there is also the option of reversing into something with your bicycle strapped to your Thule bike rack, or to drive into an underground parkade with the bike strapped to your roof racks. Yes, these things do happen! Get a quote now:

Road, hybrid and racing bikes insured for less!
Road bicycles - especially carbon and titanium ones - are every bit as expensive as their off-road counterparts, and is arguably even more likely to get damaged of stolen, given that they are mostly used in close proximity to other people and vehicles than MTBs. Dial Direct doesn't take sides between the knobbly and roadie tribes, but they certainly do wish to see both branches of the sport grow in South Africa. To this end, they provide tailor-made road bicycle insurance cover for anything from hybrids to tandems.

Get a free bicycle insurance quote from Dial Direct

Get a free bicycle insurance quote now - it'll only take a minute! Get the confidence to ride on your own - when you want, where you want to, and protect your pride and joy from damage or theft. Simply fill out the below free bicycle insurance quote form and one of Dial Direct's experienced insurance consultants will contact you to tailor a bike cover policy to suit your needs.

Why do full-suspension and carbon MTBs cost more to insure?
Apart from the obvious answer, being that they generally cost more than hard-tail and butted aluminium mountain bikes, these high-value items are also increasingly being targeted by thieves and "bike-jackers". If you're the proud owner of one of these, taking extra care - and getting bicycle insurance - is highly recommended.

*NB: In order to sign up for bicycle cover, you will need to take out a household content policy as well. This is generally required to balance out the higher "overall risk" of insuring high-value mobile items such as mountain bikes.