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Bicycle insurance that goes the extra mile.
Created by cyclists, Chain Reaction insurance provides cover for theft, damage, personal injury and racing, plus a range of optional extras to suit you and your ride. Get peace of mind on the ride with Chain Reaction insurance.
Our insurance products
Rider Insurance
Cyclist cover for less than £3 per month
Designed to protect you, the rider, get third party liability and personal accident cover.
We are cyclists, we are enthusiasts, we are the specialists - it runs through our veins, cycling is in our blood.
Unbeatable value
You won't find the same coverage for less. Our specially crafted policies are designed to give you the ultimate flexibility in choosing a cover to suit your ride.
Global insurer
With the launch of our cycle insurance in the USA in 2017 and the UK in 2018, our cycle insurance is trusted by riders across the globe. Our team of cycling enthusiasts are dedicated to providing the best customer experience and value for money product to riders globally. A product more superior than any other.
Compare Our Products
Quickly see what is and what isn't included in each of our insurance products.
Our policy features have been designed to keep you in the saddle and your wheels spinning.
Theft
Theft happens. Don’t worry, we’ll pay out so that you can replace your bike as well as any insured parts & accessories should your pride and joy be stolen while away, or at home.
Accidental damage
We’re cyclists too, we understand that riding to your full potential carries risk. If you accidentally damage any part of your frame or totally write off your steed, we’ll pay the price, so you don’t have to.
Crash damage
A slip on a corner, a jump gone wrong or even a knock whilst on the roof rack (it happens!) Don’t stress, we’ve got you covered.
Worldwide
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 travelling abroad.
Racing
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 for accidental damage, crashes and theft.
In-Transit
Transporting your prize possession can be more stressful than your partner finding out how much your bike really cost. That’s why any damage or loss in transit, by airline or courier will be covered by us.
Rental reimbursement
Nothing beats the simple pleasure of riding a bike. If your bike is stolen or damaged, we’ll reimburse you for the cost of a rental so that you don’t miss out on any gnarly downhills whilst we settle your claim.
Hospital cash
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.
On an epic ride since 1984. We're now on a mission to make your insurance ride smooth and awesome.
Our story
We started up in 1984 and we’ve been on an epic ride ever since. From our beginnings as a small bike shop to launching cycle insurance in 2017, we’ve pedalled hard to deliver an exceptional experience for our community and customers. We owe a huge thanks to our community of riders for joining us on this awesome journey, and we hope that you’ll continue to be a part of our story.