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.

Policy Features

Design a policy that’s perfect for your budget with our range of benefits.




Do Cyclists Need Accident & Liability Insurance?

Even if you have existing health or travel insurance, they can be limited to you as a cyclist.

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. You’re covered if you breakdown on the way to work or accidentally injure a pedestrian who steps off the curb.

Compare Our Products

Quickly compare our packages below. You can combine the benefits at checkout to create the ultimate cycle cover.

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

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.

Get a quote

Bicycle Insurance

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.

Get a quote

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.

Get a quote

Why Chain Reaction Cycles Insurance Leads the Field

Powered by The Experts

We are cyclists, we are enthusiasts, we are the specialists - it runs through our veins, cycling is in our blood.

Unbeatable Value

With no admin fees, no postcode charges and a max £100 excess on a claim, you won’t find the same coverage for less.

Global Insurer

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.