Chain Reaction insurance products

Rider Insurance

Cyclist cover for less than £3 per month

Designed to protect you, the rider, get third party liability and personal accident cover.

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Bicycle Insurance

Flexible bike protection whatever your ride starting as low as £2.89 per month

Accidental damage, theft and new for old replacement cover for almost every ride, with optional extras to customise the policy you need.

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E-bike Insurance

The benefits of bike insurance + that all-important battery cover

Complete coverage for your e-bike whilst at home and away, so you can do what you love with absolute peace of mind.

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Why Chain Reaction Insurance leads the field

Powered by the experts

We are cyclists, we are enthusiasts, we are the specialists - it runs through our veins, cycling is in our blood.

Unbeatable value

You won't find the same coverage for less. Our specially crafted policies are designed to give you the ultimate flexibility in choosing a cover to suit your ride.

Global insurer

With the launch of our cycle insurance in the USA in 2017 and the UK in 2018, our cycle insurance is trusted by riders across the globe. Our team of cycling enthusiasts are dedicated to providing the best customer experience and value for money product to riders globally. A product more superior than any other.

Compare Our Products

Quickly see what is and what isn't included in each of our insurance products.



 
BicycleInsurance
E-BikeInsurance
RiderInsurance*
Price per month
from £2.89/mo
from £2.65/mo
from £1.62/mo
Get your quote now
Theft
yes
yes
no
Malicious damage
yes
yes
no
Accidental damage
yes
yes
no
Damage in transit
yes
yes
no
Racing coverage
yes
yes
yes
Multiple bike discount
yes
yes
no
No penalty for claims
yes
yes
yes
New for old for 3 years
yes
yes
no
0% interest monthly payments
yes
yes
yes
Triathlon transition
yes
yes
no
Rental reimbursement
Optional
Optional
no
Transport reimbursement
Optional
Optional
yes
Listed accessories
Optional
Optional
no
Listed cycling apparel
Optional
Optional
no
Worldwide coverage
Optional
Optional
yes
Public liability
no
no
yes
Emergency private medical
no
no
yes
Hospital cash
no
no
yes
Personal accident
no
no
yes
E-bike battery cover
no
yes
no

*rider only includes personal injury

Our cycle insurance coverages

Our policy features have been designed to keep you in the saddle and your wheels spinning.

About us

On an epic ride since 1984. We're now on a mission to make your insurance ride smooth and awesome.

Our story

We started up in 1984 and we’ve been on an epic ride ever since. From our beginnings as a small bike shop to launching cycle insurance in 2017, we’ve pedalled hard to deliver an exceptional experience for our community and customers. We owe a huge thanks to our community of riders for joining us on this awesome journey, and we hope that you’ll continue to be a part of our story.

Bikes we protect

Chain Reaction Insurance offers protection for every type of ride.

More from us

Get a great deal on protection, feed your Strava habit and view the latest gear and reviews on The Hub

Extra protection

Extra protection

MTB, Road and Tri Protection To make things a little less painful, we sell all the top brands at the best deals in the World View protection

Strava Club

Follow us on Strava

The Hub

The Hub

Bike Insurance buying guide Why do I even need bicycle Insurance? Confused? So were we, that's why created our own policy. Read more