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.

Get your MTB insurance quote

Why choose our insurance for your
mountain bike?

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 £250.

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 theft of your beloved mountain bike for longer than you need to. With our new for old benefit, we'll replace your MTB with a brand new ride, or pay what it would have cost to replace.

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.

Learn more about rider insurance

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
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

Get your MTB insurance quote

Get mountain bike insurance starting as low as £2.89 per month. Great coverages for the avid mountain biker as standard and you can select optional coverages to suit your ride.

Get a quote

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