Find fast answers to our most frequently asked questions



  • Can I insure my cycling helmet, accessories and clothing?

    Yes you can, please list these when taking out your policy online or give one of our friendly team members a call to add these to your new policy. For helmet and Clothing please list them as Other and provide a lump sum value for all these items. If in doubt – just give us a call and we will happily assist.

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  • 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.

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  • Do I need a proof of purchase for my bicycle?

    Yes. A proof of purchase is required in the unfortunate event of a claim. Without it we may not be able to approve your claim. If you are concerned that you may not be able to provide us with a proof of purchase, please give us a call to discuss your options.

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  • Will my policy renew automatically?

    At the end of each Period, your policy will automatically renew into the next Period of Insurance and we will continue to take payments unless you notify the administrator otherwise. We will notify you with at least 3 weeks before the official renewal date and will further provide you with an additional 14 day cooling off period at the beginning of the next period.

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  • 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.

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  • Is my bicycle covered whilst on a plane?

    We too travel with our bikes overseas, and so we fully understand the concern when it comes to handing over our precious bikes to the famous luggage handlers. No need to worry, we’ll protect your bike whilst in transit. Just remember to choose Worldwide cover if you’re travelling outside of England, Scotland, Wales and Northern Ireland.

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  • Is there an excess applicable?

    In the event of a claim, the following excesses are applicable:
    Theft & Accidental Damage: £100
    Liability: £100
    Emergency Private Medical: £50
    Rental Reimbursement: £50
    Transport Reimbursement: £20

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Have a question about bicycle insurance?

We're always happy to answer any questions you have. Call or drop us an email:

0800 368 8442 contact@insurance-uk.chainreactioncycles.com

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.

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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.

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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

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