Our insurance products
Cyclist cover for less than £3 per month
Designed to protect you, the rider, get third party liability and personal accident cover.
Flexible bike protection whatever your ride starting as low as £2.89 per month
Accidental damage, theft and new for old replacement cover for all rides, with optional extras to customise the policy to your needs.
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.
Why Chain Reaction Cycles 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.
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.
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.
We've made it easy for you to compare
Many home and contents policies won't cover your bicycle for theft or damage away from home or whilst racing. Designed with the need of cyclists in mind, Chain Reaction Cycles Insurance provides specialised cover to give you peace of mind wherever the ride takes you. Plus, we won't increase your premium if you make a claim.
Our cycle insurance coverages
Our policy features have been designed to keep you in the saddle and your wheels spinning.
Theft happens. Don’t worry, we’ll pay out so that you can replace your bike as well as any insured parts & accessories should your pride and joy be stolen while away, or at home.
We’re cyclists too, we understand that riding to your full potential carries risk. If you accidentally damage any part of your frame or totally write off your steed, we’ll pay the price, so you don’t have to.
A slip on a corner, a jump gone wrong or even a knock whilst on the roof rack (it happens!) Don’t stress, we’ve got you covered.
Whether you’re shredding down the Alps, racing or taking a leisurely break with your loved one (we mean your bike), our Worldwide cover will protect you whilst travelling abroad.
No matter if you’re racing your mates on a Strava segment, or competing in an actual timed event, we’ll pick up the tab for accidental damage, crashes and theft.
Transporting your prize possession can be more stressful than your partner finding out how much your bike really cost. That’s why any damage or loss in transit, by airline or courier will be covered by us.
Nothing beats the simple pleasure of riding a bike. If your bike is stolen or damaged, we’ll reimburse you for the cost of a rental so that you don’t miss out on any gnarly downhills whilst we settle your claim.
A trip to hospital is never part of the plan, but there’s always a risk of a detour. If it happens, our Hospital Cash benefit makes the stay (enjoyable or not) that much more affordable.
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 Cycle 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