We’ve made it easy for you to compare.
Wondering if your Home and Content insurance is sufficiently covering your ride? Have a look at the comparison table below to easily compare our specialist insurance with home and content policies. Many home and content policies won’t cover your bicycle for theft or damage away from home or while racing. We provide a policy that is specifically designed to suit your cycling needs to ensure you’re fully protected whilst doing what you love.
Home and Contents
RiderInsurance*
Crash damage
yes
no
no
Liability
Optional
no
no
Theft away from home
yes
Not likely
no
Bicycle Rental reimbursement
Optional
no
no
Emergency private medical
yes
no
yes
Hospital cash
yes
no
no
Malicious damage away from home
yes
Limited
yes
Accidental damage
yes
no
no
Personal accident
yes
no
yes
No postcode pricing
yes
no
no
0% Interest monthly payments
yes
no
no
No claims penalties
yes
no
yes
No admin fees
yes
no
no
Damage in transit
yes
no
no
Transport reimbursement
yes
no
yes
Racing coverage
yes
no
yes
Additional bike discount
yes
Not likely
yes
Battery cover (e-bike)
yes
Not likely
yes
Lifetime New for old
yes
Not likely
yes
Listed Accessories
Optional
Not likely
no
Listed cycling apparel
Optional
Not likely
no
Worldwide coverage
Optional
Not likely
no
*rider only includes personal injury
Bicycle Insurance vs Other Insurance
With nearly 400,000 bicycles stolen in the UK each year - a good lock just won't cut it (pun intended). Make sure you're protected against this risk and do your homework so you know exactly what you are and aren't protected against.
Homeowners Insurance
Even if you are the proud owner of your home and have a comprehensive home and contents policy, your bike may not be covered to the extent you might think. In fact, the coverage that you have under your home and contents policy will likely be very limited - you should always check the smallprint!
What Homeowners carriers don't tell you
- If your bicycle is stolen when you're out and about it will probably not be covered at all
- If you damage your bike while riding, the chances of recovering anything through your homeowners insurance is very slim
- If you damage your bike while racing, you have close to no chance of having coverage
- If you can make a claim on the limited coverage you may have, your premiums could go up
Specialist Bicycle Insurance
A specialist bicycle insurance policy will always be best. Our bicycle insurance policy provides coverage for the very dangers cyclists face on a daily basis.
Why is Chain Reaction Insurance best for your bike?
- You'll get protection for your expensive bike/s, for theft from home, for theft away from home, for crash damage even while racing and traveling, for medical expenses, third party liability and much more.
- If you have a mechanical breakdown, there's no need to stress, you can just jump in a taxi, on us, to your nearest bike store or home, so you'll never be left stranded.
- Guess what, we won't raise your premiums if you claim.
