A road bike is your prized possession, whether you’re going to work or are on a leisurely cycle at the weekend. You take care of your road bike in order to get from point A to point B but who takes care of you and your bike in the unfortunate event of an accident or theft? With road bike insurance from Chain Reaction, cycle with ease knowing you’re covered for the unexpected when you’re on the road.

Get your road bike insurance quote

Why choose road bike insurance?

We understand the frustration when it comes to having your bike stolen. With road bike insurance, we’ll pay for your road bike to be replaced whether it’s stolen from your home or away, so you can get back to riding in no time.

Whether you’re commuting to the office or taking on new adventures, accidents can easily happen on the road. With our road bike insurance, we'll cover the costs of repair or a new ride if you get in an accident.

Travelling with a valuable road bike can be worrying. With our road bike insurance, we’ll cover your bike if it gets accidentally damaged or lost in transit or by airline or courier. We even have a worldwide cover option.


Breaking down can be stressful. We’ll make it that little bit easier by ensuring you can get home safely with Transport Reimbursement Cover up to £250.

Own more than one road bike? For keen cyclists with more than one ride, we’ll offer you great savings with multi-bike discount on any additional bikes you choose to insure with us.

Road bikes can be expensive to replace. If your bike is stolen or damaged beyond repair, our new for old benefit means we'll replace your bike as new or pay the amount it would have cost to replace or repair your bike.


No matter if you’re racing your mates on a Strava segment, or competing in an actual timed sportive, we'll pick up the tab for accidental damage, crashes and theft.

A team of cycling enthusiasts, our customer service team will help you get back on your road bike as quickly as possible. You can get in touch with us by phone, email or live chat.

Designed with your needs in mind, we won’t charge you extra if you pay monthly rather than annually.


Do I need rider insurance?

Road bike accidents can happen if cyclists aren’t given enough space on the road and can sometimes cause serious injury, so it’s important not to forget about insuring yourself, the rider. Offering you protection in the event of a collision, our rider insurance covers you for third party liability and personal accident, giving you that extra peace of mind while you’re out on the road.

Read more about rider insurance

How our policies cover your road bike

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 road bike insurance quote

Starting from as little as £2.89 per month, our road bike insurance includes great coverages as standard and you can select optional add-ons at any time.

Get a quote

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