Customised, Awesome Protection For As Little As £2.89 Per Month

The idea of something happening to your bike is the stuff of nightmares.
That’s why we’ll protect your bikes at home, out and about and even when competing. Whatever you need for your ride, you can choose it with our simple, affordable and customisable cover.

What Does Bicycle Insurance Cover?

Get all these great benefits- as standard.




Customize Your Coverage

Build yourself the best bicycle insurance with our optional extras.

Third Party Public Liability

Having to cough up for someone’s rear windscreen is not ideal, especially when you could be spending that money on bike upgrades. That’s why we’ll cover you up to £2,000,000 should you be at fault for damage or a collision.

Personal Accident

While many of us have experienced embarrassing cleat-related incidents before, sometimes accidents happen which result in life-changing consequences. In the event of serious injury or death sustained whilst riding your bike, we’ll cover you up to £10,000. Don’t ride without it.

Hospital Cash

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.

Emergency Physio, Dental and Medical Care

We’ll pay your emergency private medical bills up to £300. This includes emergency care sought from a private hospital, clinic or practice within 24 hours of an incident.

Travel

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 whether you’re on a cycling holiday in the UK or travelling internationally.

Rental Reimbursement

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.

Custom Parts

Upgrades? Sweet. If looking to insure your wheelsets, chainsets or any other carefully selected components, just let us know your current specs and we’ll cover these if they get damaged or stolen.

Accessories

The latest cycling gadgets and space-age looking helmets can be just as important as the bike itself. If you’re like us and love a good cycling gadget, just let us know which accessories you want covered and we’ll protect them if they’re damaged or stolen along with your bike.

Compare Our Products

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

 
Bicycle & E-bike Insurance
Rider Insurance
Theft
yes
no
Malicious damage
yes
no
Accidental damage
yes
no
Damage in transit
yes
no
Racing coverage
yes
yes
Multiple bike discount
yes
no
No penalty for claims
yes
yes
New for old for 3 years
yes
no
0% Interest monthly payments
yes
yes
Triathlon transition
yes
no
Rental reimbursement
Optional
no
Transport reimbursement
Optional
yes
Listed Accessories
Optional
no
Listed cycling apparel
Optional
no
Worldwide coverage
Optional
yes
Public Liability
no
yes
Emergency private medical
no
yes
Hospital cash
no
yes
Personal accident
no
yes
E-bike battery cover
E-bike only
no

Our Cycle Insurance

Rider Insurance

Complete peace of mind for less than £3 per month

A complete package to protect you as the rider + we’ll even give you cash if you have to pay a visit to the hospital.

Get a quote

Bicycle Insurance

Customised, awesome protection starting as low as £2.89 per month

Get everything you need to protect your bike as standard + select extra benefits to suit your ride.

Get a quote

E-bike Insurance

We’ll even protect your e-bike battery

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

Get a quote

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.

Unbeatable Value

With no admin fees, no postcode charges and a max £100 excess on a claim, you won’t find the same coverage for less.

Global Insurer

With the launch of our cycle insurance in the USA in 2017 and the UK in 2018, we are excited to continue the ride on our mission to deliver the best customer experience and value for money.

Frequently Asked Questions