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.
Theft
Theft happens. Don’t worry, we'll pay out so that you can replace your bike as well as any insured parts & accessories listed should your pride and joy be stolen while away, or at home.
Accidental Damage
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 if you accidentally damage your carbon frame or totally write-off your steed.
Racing
No matter if you’re racing your mates on a Strava segment, or competing in an actual timed sportive, we'll pick up the tab for accidental damage, crashes and theft.
Transport Reimbursement
In the event of a mechanical breakdown, don’t be left stranded. Stay safe and jump in a taxi on us. We’ve got you covered up to £150.
In-Transit
Baggage handlers are rough. Transporting your prized 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. If you’re travelling overseas, just remember to select our Worldwide cover option.
New For Old
Your brand-new bike’s insured value won’t depreciate for 3 years, so if you need to make a claim we’ll hook you up with a new one that’s worth what you originally paid. If repair is possible, we’ll cover the costs.
Additional Bike Discount
If you follow the N+1 rule then we think you’re great and seeing as you can’t ride all of them at once, we’ll give you an up to 60% off multi-bike discount on each additional bike you choose to insure.
Malicious Damage
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 have you covered.
Triathlon Transition
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
All bikes are good bikes. There’s no need to take out specific mountain bike insurance as our cover protects all kinds, even electric bikes.
Customer Service
Our team provide customer service as fast as they ride. Get in touch by phone, email or live chat to talk bikes (and insurance).
0% Interest Monthly Payments
We’re super flexible. Whether you choose to pay monthly or annually, it makes no difference, we won’t charge you any extra.
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.
Our Cycle Insurance
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
- 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 →