Antares:
Page 28 of the document states ‘Mountain biking (not including downhill racing and extreme ground conditions)’ for the Standard travel insurance policies (Silver, Gold and Black).
Page 35 details that it covers ‘Mountain biking (including downhill racing and extreme ground conditions)’ under
‘…… activities where you need to tell us in advance of your intention to undertake the activity. Cover is restricted in that no cover is provided under either the personal accident or personal liability sections of this policy whilst you are undertaking the activity and an additional premium is required.’
So Virgin Black cover does not insure you for downhill or extreme riding – both of which, I think, riding down the Alps will be. You will need to speak to Virgin directly to be quoted and issued with a certificate of insurance.