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
While it’s not a legal requirement, having to cough up for someone’s rear windscreen is not ideal- especially when you could be spending that money on bike upgrades. That’s why we’ll cover you up to £2,000,000 should you be at fault for damage or a collision.
A trip to hospital is never part of the plan, but there’s always a risk of a detour. If it happens, our Hospital Cash benefit makes the stay (enjoyable or not) that much more affordable.
No matter if you’re racing your mates on a Strava segment, or competing in an actual timed event, we'll pick up the tab if you get injured in a crash.
Whether you’re shredding down the Alps, racing or taking a leisurely break with your loved one (we mean your bike), our Worldwide cover will protect you whilst traveling abroad and in the UK.
In the event of a mechanical breakdown, don’t be left stranded. Stay safe and jump in a taxi on us. We’ve got your commute covered 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 pay your emergency private medical bills up to £300. This includes emergency treatment sought from a private hospital, clinic or practice within 24 hours of an incident.
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.
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 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.
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.