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.

Get your MTB insurance quote

Why choose our insurance for your
mountain bike?




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.

 
Rider Insurance
Bicycle & E-bike Insurance
E-bike Insurance
Theft
no
yes
yes
Malicious damage
no
yes
yes
Accidental damage
no
yes
yes
Damage in transit
no
yes
yes
Racing coverage
yes
yes
yes
Multiple bike discount
no
yes
yes
No penalty for claims
yes
yes
yes
New for old for 3 years
no
yes
yes
0% Interest monthly payments
yes
yes
yes
Triathlon transition
no
yes
yes
Rental reimbursement
no
Optional
Optional
Transport reimbursement
yes
Optional
Optional
Listed Accessories
no
Optional
Optional
Listed cycling apparel
no
Optional
Optional
Worldwide coverage
yes
Optional
Optional
Public Liability
yes
no
no
Emergency private medical
yes
no
no
Hospital cash
yes
no
no
Personal accident
yes
no
no
E-bike battery cover
no
E-bike only
yes

comparison table