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Get MTB injury insurance to cover your next ride
Protect yourself (and your wallet) with accidental injury insurance for mountain biking
About mountain biking insurance for accidental injuries
Mountain biking is the ultimate adrenaline rush but comes with risks. Whether you’re tackling unknown terrain or competing in a race, you can get cover for a range of accidental injuries.
- We approve most claims within one business day
- Covers accidents in Australia and NZ, with additional countries covered under Flip Roaming
- Instant cover, or schedule in advance
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Protection for milestones, not comfort zones
Tackle any terrain
Flip Insurance can give you extra peace of mind whether you want protection for yourself or your child for recreational mountain biking or MTB racing.
Mountain biking is generally safe and fun, but mountain biking accidents can happen.
Don't let an unexpected injury ruin your day – make sure you're protected with Flip.
Why mountain biking insurance for accidental MTB injuries is becoming more popular in Australia
Aussies love mountain biking
Mountain biking is a fantastic way to stay fit and enjoy the great outdoors. According to a 2021 report by Mountain Bike Australia, there are likely to be at least 300,000 mountain bike participants across Australia.
MTB injuries can be expensive
All those epic trails can lead to injuries that Medicare, private health insurance or travel insurance don’t necessarily cover in full. The financial pain can hurt more than the injury itself.
Mountain biking insurance eases the financial pain of accidental injuries
If you’re riding or racing with Flip activated and get an injury we cover, we give you a set cash payout for eligible claims, mostly within one business day.
Uncomplicated accidental MTB injury cover
Understanding what you’re covered for can be overwhelming, and sometimes you don’t realise until after something's gone wrong that you might have a lot of costs to pay. We've created injury cover for mountain biking accidents that's easy to understand, with no complicated add-ons or hidden catches.
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Popular activities that accidental injury insurance can be used for
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Frequently Asked Questions
What is accidental injury insurance?
Accidental injury insurance policies provide cover if you have an injury in an accident, like a mountain biking accident. Flip Active, Flip Kids and Flip Roaming are types of MTB accident insurance that pay you money if you get hurt in an accident with an injury of specified severity.
Can I get one-day insurance for accidental MTB injuries?
Yes, you can buy Flip Active or Flip Kids for a single day, week or as a monthly subscription to provide peace of mind for injuries while mountain biking.
Do you cover extreme mountain biking and freeride MTB events?
Yes. When your insurance cover is active, you’re covered for almost any sport, hobby or activity (except motorcycling), even extreme sports. Check the PDS for more detail.
Who is Flip’s accidental MTB insurance for?
Flip currently welcomes people living in Australia between the ages of 5 and 64 to purchase our cover for MTB accidents. This includes international students, people on working holiday visas and people on temporary working visas. Unfortunately, you won’t be able to buy our current product if you or your child don't live in Australia or are temporarily in Australia as a tourist.
I turned my Flip insurance cover on after I injured myself mountain biking. Can I claim?
No. With Flip accidental injury insurance, you’re covered for a range of accidental sporting injuries that happen while your insurance is active. This means you’re not covered for anything that happens before your insurance starts or after it ends. To see when your insurance starts or ends, head to your Flip Dashboard and look for your Certificate of Insurance.
Is Flip MTB insurance a type of travel insurance?
No. Flip Active, Flip Kids and Flip Roaming insurance covers you for accidental injuries, but it is different to travel insurance because it pays you a set amount based on the injury you get. Some people use it in addition to travel insurance for extra protection, if they are doing something not covered by their travel insurance. Read our PDS to see if Flip is right for you.
Will you replace my bike or other equipment if it’s damaged in a mountain biking accident?
Flip provides accidental injury insurance, so you get a cash payout for eligible injuries that varies depending on the severity. You can choose to spend your payout on anything you like, including equipment repairs.
Do you cover professional MTB athletes?
Yes, we welcome weekend warriors and professionals alike when they want triathlon injury insurance for accidents in general training, competitions or on event days in Australia and New Zealand.
If I have Flip Active, Flip Kids or Flip Roaming, am I (or my kids) only covered for accidental injuries that happen while mountain biking?
No, when your insurance is active, you’ve got cover for a range of common injuries that might happen in an accident, whether that be from running to catch a bus or jumping out of bed.
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