Sometimes when you hit the road, the road hits back.
That's why we've created comprehensive, affordable insurance solely for the cyclist, so you can ride with full peace of mind for less than £3 per month.
Design a policy that's perfect for your budget with our range of benefits.
Third Party Public Liability
Sometimes the unexpected happens whilst out on the ride. If you're at fault for accidental damage or injury, our cyclist protection will cover you up to £2,000,000. So, you can save your money for kitting out your bike with the best gear.
Ride with reassurance that you’re covered with our hospital cash benefit. If you get injured on the ride, we’ll pay towards your care.
With our race cover, focus more on winning that race or beating that lap time and spend less time worrying about the cost of an injury. We've got you covered if something happens to you or your ride on the track.
Go wherever the adventure takes you. With Worldwide cycle cover that protects you around the globe, as well as the UK, enjoy the ride with injury cover knowing you're fully protected.
Your bike breaking down is bad enough (we've been there), without worrying about how to get back home. With our cyclist cover, we'll make sure you can get home safely with transport cover up to £150.
Unexpected accidents can be life changing. In the event of serious injury or death whilst riding your bike, we'll cover you up to £10,000. You wouldn't drive without it, so take just as much care of yourself when out on your bike.
Emergency Physio, Dental and Medical Care
We'll get you racing ready again. If you get injured while out on the ride, we'll pay your emergency private medical bills up to £300. This covers emergency care from a private hospital, clinic or practice within 24 hours of an incident and any physio.
Do Cyclists Need Accident & Liability Insurance?
Even if you have existing health or travel insurance, they can be limited to you as a cyclist.
Insurance for the rider is just as important as protecting your bike. Designed with cyclists in mind, our rider insurance gives cyclists peace of mind from the commute to the track with third party liability and injury cover.
Our personal injury cover is affordable with a low excess compared to most medical insurance. The cover stays with you, worldwide, so your recovery isn't just confined to when you're on holiday.
Additionally, if you're a commuter or someone who relies on a bike to get around, then it's a huge relief to be backed by people who want to get you back in the saddle. Whether you breakdown on the way to work or accidentally injure a pedestrian who steps off the curb, we've got you covered so you can get the maximum enjoyment on your next adventure.
Compare Our Products
Quickly compare our packages below. You can combine the benefits at checkout to create the ultimate cycle cover.
Our Insurance Products
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.
Customised, awesome protection starting as low as £2.89 per month
Get everything you need to protect your bike as standard + select extra benefits to suit your ride.
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.
Why Chain Reaction Insurance Leads the Field
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We are cyclists, we are enthusiasts, we are the specialists - it runs through our veins, cycling is in our blood.
With no admin fees, no postcode charges and a max £100 excess on a claim, you won't find the same coverage for less.
With the launch of our cycle insurance in the USA in 2017 and the UK in 2018, we are excited to continue the ride on our mission to deliver the best customer experience and value for money.