Customised, awesome protection for as little as £2.89 per month

As part of our standard policy we’ll protect your bike at home, and even when you’re competing + whatever you need for your ride, you can choose it. Include what’s important to you and control the price you pay - simple, customised and affordable.

Policy Features

You’ll have the option to choose from a range of our policy features - so design a policy that’s perfect for you.






Customize your coverage

You can choose any or all of the below coverages.

Worldwide protection

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 traveling abroad.

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.

Liability

Having to cough up for someone’s rear windscreen is not ideal, especially when you could be spending that money on new bike parts. This is why we’ll cover you for up to £1,000,000 should you cause damage to a third party or their property. Bring on new bike parts!

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.

Transport Reimbursement

In the event of a mechanical breakdown, don’t be left stranded. Stay safe and jump in a cab on us. We’ve got you covered up to £150.

Compare our products

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

 
Rider Insurance
Bicycle Insurance
E-bike Insurance
Crash damage
no
yes
yes
Liability
Optional
Optional
Optional
Theft away from home
no
yes
yes
Rental reimbursement
no
Optional
Optional
Emergency private medical
yes
Optional
Optional
Hospital cash
yes
Optional
Optional
Malicious damage away from home
no
yes
yes
Accidental damage
no
yes
yes
Personal accident
yes
Optional
Optional
No postcode pricing
yes
yes
yes
0% Interest monthly payments
yes
yes
yes
Legal Advice
yes
yes
yes
No claims penalties
yes
yes
yes
No admin fees
yes
yes
yes
Damage in transit
no
yes
yes
Transport reimbursement
yes
Optional
Optional
Racing coverage
yes
yes
yes
Additional bike discount
no
yes
yes
Battery cover
no
no
yes
New for old for three years
no
yes
yes
Listed Accessories
no
Optional
Optional
Listed cycling apparel
no
Optional
Optional
Worldwide coverage
yes
Optional
Optional

Our insurance products

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

Great coverages as standard + you can select optional coverages 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

You won't find the same coverage for less + specially crafted policies designed to give you the ultimate flexibility in choosing a cover to suit your ride.

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 product in the world. A product more superior than any other.