What does 'downhill mountain biking' mean?

Downhill mountain biking is not covered under any Fast Cover travel insurance policies. 

Downhill mountain biking refers to mountain biking where You travel (usually by ski lift or car) to the top of a hill or mountain with the specific intent of riding a marked or unmarked downhill trail. The descent is on steep, rugged and challenging terrain with obstacles such as rocks, boulders, jumps, drops, tree roots and other vegetation. 

This activity is excluded from cover, even if the Adventure Pack has been purchased. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel.