Wanting MTB insurance but not sure what it would cover.

Aaron86N Posts: 7
edited June 2018 in MTB buying advice
So I’m wanting insurance for my new bike the quotes I’m getting so far is £300 a year with up to £500 a week cover for wages. The thing I would like to know without ringing a company, if you’re on a trail and lose control and the bike hits a tree and totals the carbon frame would they replace it? Or if you jump and land in between the gap and the frame snaps, will the insurance pay out?

Sorry if it sound stupid but it does not sound clear cut like car insurance.