We've made it easy for you to compare

Many home and contents policies won’t cover your bicycle for theft or damage away from home or whilst racing. Chain Reaction Cycles Insurance provides a policy that was designed to give cyclists the specialised cover they need. Plus, we won’t increase your premium if you make a claim.

Insurance comparison

We’ve made it easy for you to compare our specialist insurance alongside a home and contents policy. Make sure you have the right coverage to suit your needs and ensure that you’re fully protected whilst doing what you love.

 
Home and Contents
Crash damage
yes
no
Liability
Optional
no
Theft away from home
yes
Not likely
Bicycle Rental reimbursement
Optional
no
Emergency private medical
yes
no
Hospital cash
yes
no
Malicious damage away from home
yes
Limited
Accidental damage
yes
no
Personal accident
yes
no
No postcode pricing
yes
no
0% Interest monthly payments
yes
no
No claims penalties
yes
no
No admin fees
yes
no
Damage in transit
yes
no
Transport reimbursement
yes
no
Racing coverage
yes
no
Additional bike discount
yes
Not likely
Battery cover (e-bike)
yes
Not likely
New for old for three years
yes
Not likely
Listed Accessories
Optional
Not likely
Listed cycling apparel
Optional
Not likely
Worldwide coverage
Optional
Not likely

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

Home insurance

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 Cycles 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.

Rider Insurance

Our insurance products

Rider Insurance

Cyclist cover for less than £3 per month

Designed to protect you, the rider, get third party liability and personal accident cover.

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Bicycle Insurance

Flexible bike protection whatever your ride starting as low as £2.89 per month

Accidental damage, theft and new for old replacement cover for all rides, with optional extras to customise the policy to your needs.

Get a quote

E-bike Insurance

The benefits of bike insurance + that all-important battery cover

Complete coverage for your e-bike whilst at home and away, so you can do what you love with absolute peace of mind.

Get a quote