Customised, Bike 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 against theft, damage and more whether you're at home, out or even when competing. Whatever you need for your ride, we have you protected 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

Save your money for epic bike upgrades. If you sustain an injury that requires time in the hospital, we’ll pay towards the expenses with our hospital cash benefit.

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

From cycling holidays to international races, our Worldwide cover will protect your bike if it gets damaged or stolen when you're away on your next adventure.

Rental Reimbursement

For keen cyclists like us, we know that waiting to get back on you bike can feel like an eternity. If your bike is damaged or stolen, our cover reimburses you the cost of a rental, so you don’t have to stay away from riding for long.

Custom Parts

Upgraded your ride? If you’re looking to insure your custom 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

Designed by cyclists for cyclists, our bicycle insurance has your essential needs covered so you can get peace of mind on your next ride.

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

Reliable providers of cycle insurance in the USA and UK, we deliver quality bike cover you can trust across the globe.

Frequently Asked Questions