Designed to take on the harshest of terrains in the most challenging conditions, mountain bikes are used by thrill-seekers looking to push their rides to the edge. Get maximum enjoyment from your adventures, with the peace of mind that you and your MTB are protected against accidental damage or theft, with mountain bike insurance from Chain Reaction Cycles.
Why choose our insurance for your
If your mountain bike gets stolen whilst out and about or at home, our MTB insurance will cover the full cost of your bike, as well as any additional parts or accessories also listed on the policy.
When taking on challenging off-road terrains, accidental damage is sometimes unavoidable. With our mountain bike insurance cover, you can ride with more confidence, knowing that any accidental damage to your MTB will be covered by your policy.
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.
Enjoy the ride wherever it takes you with MTB insurance that covers your bike against damage or loss by transit, airline or courier. If you’re travelling abroad, we have a worldwide cover option.
We won’t make you suffer the loss of your old mountain bike for longer than you need to. With your mountain bike’s value not depreciating for 3-years, we’ll cover the cost of repairs or the replacement of your MTB with a brand-new ride, up to your insured value.
If you’re a keen cyclist with multiple bikes, we’ll offer you great savings on each additional bike you choose to insure with our multi-bike discount.
Our team knows mountain bikes and provides customer service as fast as they ride. Get in touch by phone, email, or live chat to talk bikes (and insurance).
We’re super flexible. Whether you choose to pay monthly or annually, it makes no difference - we won’t charge you any extra.
Do I need accident and public liability cover?
Getting MTB insurance is essential to protect your mountain bike, but what about protection for yourself if you accidentally cause damage to another mountain bike or injure a rider. Our rider insurance is designed with the needs of cyclists in mind, covering you for personal liability and injury, so you can enjoy your next ride knowing you’re protected.
How our policies cover your MTB
Here’s what’s included in each of our insurance products.