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.
If you're bike is stolen at home or while away, we'll pay for the cost of your replacement and any insured parts and accessories, so you can quickly get back to doing what you love.
Get peace of mind on the ride, with accidental damage protection that covers the cost of a repair or a new bike if yours is damaged beyond repair.
Covering you from the commute to the racetrack, our cycle insurance covers your bike for accidental damage, crashes and theft at cycling events.
If you breakdown while out on the ride, we'll make sure you're taken care of with Transport Reimbursement Cover up to £150.
We'll make travelling with your bike a stress-free experience. Our cycle insurance covers any damage or loss in transit by airline or courier. You can choose worldwide cover for protection over-seas.
New For Old
If you cover your new bike, we’ll hook you up with a new one in the event of a claim, or pay the amount it would have cost to replace your bike.
Additional Bike Discount
If you're anything like us, one bike simply isn't enough. If you choose to insure multiple bikes with us, you'll benefit from a great multi-bike savings.
Although it seems unlikely, sadly vandalism is way too real. Whether it's malicious damage through attempted theft, road rage or sheer bike envy, we'll cover the costs of any repairs.
Don't worry about leaving your valuable kit in transition. Our policy protects your bike and any listed accessories if they go missing in this busy area.
Insurance For All Types of Bicycle
Built for all rides, our flexible policies cover bikes from BMX to MTB, so you can get all the great benefits of bike cover whatever your ride.
Our dedicated customer service team will get you back to riding as quickly as possible. You can get in touch with us via phone, email or live chat.
0% Interest Monthly Payments
Enjoy all the benefits of our cycle insurance with a payment schedule that works for you. You can pay annually or monthly at no extra charge.
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.
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.
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.
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.
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.
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.
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.
Our Cycle 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.
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.
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.
Why Chain Reaction 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.
With no admin fees, no postcode charges and a max £100 excess on a claim, you won't find the same coverage for less.
Reliable providers of cycle insurance in the USA and UK, we deliver quality bike cover you can trust across the globe.
Frequently Asked Questions
- My bike is a custom build, can I get insurance?
Absolutely. Just be sure to specify each custom component under custom parts and include of these components in your total bike value.Continue reading →
- Is my bike covered whilst on a roof rack?
Yes, roof rack cover comes as standard with our Bicycle cover. Please note, you are required to lock your bicycle to the roof rack using an approved lock through the frame, including both wheels.Continue reading →
- Can I store my bike in a wooden shed?
You can store your bicycle in a wooden shed, provided you secure your bicycle therein using an approved lock to an immovable object. Please note, the wooden shed must be privately accessible to you, securely locked and your shed will need to be located within the boundaries of your primary residence.Continue reading →