I recently flew to the Alps to ride mountain bikes, and realized that regular insurance does not always cover such things. I found a convenient option - at https://www.globelink.eu/hazardous-pursuits.html you can choose a category specifically for extreme sports. It is calmer to ride when you know that everything is taken into account, even if the risk is slightly higher than usual. Has anyone checked how quickly they respond to requests for rare types of activity?