Bike insurance buying guide

The idea of something happening to our bike is the stuff of nightmares. Very big, very scary nightmares.

Your bike’s ability to turn sweat and tears into new experiences in new places, the time we’ve spent tinkering with its components, and the money we’ve spent upgrading its performance – to lose all of that on a misplaced rock or to a thief just doesn’t bear thinking about.

But just as a great set of brakes help you build confidence, the peace of mind that comes with the protection of bike insurance has a big impact on your cycling experience.

So that our customers have the best cycling experience possible, Chain Reaction Cycles has launched an exciting range of insurance products covering everything a rider could need, such as e-Bike Insurance, Rider Insurance, and Bike Insurance.

Please note that at the moment CRC Insurance is only available in the UK and the USA. 

Meanwhile, check out the offers available by going straight to the Chain Reaction Cycles Insurance site: 

What is Chain Reaction Cycles Insurance?

There’s a simple test to see if you need an insurance policy for your bike.

Are you worried about what you would do if something happened to your bike? If the answer is ‘yes’, then you probably need insurance.

Most of what you do with your bike – zooming along roads, sending it down trails, racing, commuting, or transporting it on the roof rack – isn’t covered by home insurance policies. That means your bike is at risk precisely when you’re using it most.

Then, of course, there is the obvious worry of theft, which in certain circumstances can be difficult to claim on home insurance policies.

To cover all these bases, Chain Reaction Cycles has created a range of packages to suit all types of riders, whether you’re a downhill racer, a sportive rider, a leisure cyclist, or anything in between.

You can get coverage for theft, physical loss and damage as standard with a package of optional features to suit your circumstances.

Why choose Chain Reaction Cycles Insurance?

  • We’re the cycling experts – Chain Reaction Cycles, established in 1984, is a trusted name in the industry and a five-star rated company.
  • Unbeatable value – you won’t find the same policy coverage for less anywhere!
  • Great customer service – we’re known for our outstanding customer service and won’t let you down.

What are you covered for?

A man riding a gravel bike on a path.

Here’s a summary of just some of the things on which you can rely with Chain Reaction Cycles’ insurance.

Theft happens. Don’t worry, we’ll pay out so you can replace your bike as well as any insured custom parts and accessories should your pride and joy be stolen while away, or at home.

Accidental damage
As cyclists ourselves, we understand 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 while on the roof rack (it happens!) – don’t stress, we’ve got you covered.

Whether 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.

We’ll provide a significant level of financial protection that should comfortably ensure you’re covered if you cause damage to a third party or their property. Phew. 

Let’s take a look at the type of insurance available…

Bicycle insurance

An awesome policy packed with many features and benefits. We cover all types of bikes, from tri-Bikes to e-Bikes plus we offer a whole host of benefits, such as a multi-bike discount on each additional bike added and/or worldwide protection if you love travelling with your bike. Other benefits include accidental damage, crash damage, and in-transit coverage.

Starting from extremely low premiums, Chain Reaction Cycles Insurance will protect your bike both at home and away – even when you’re competing.

E-bike insurance

Sommet EBike

This package has all the features of our standard bicycle insurance with the added benefit of specific battery insurance – because your battery could get stolen or damaged too…

Rider insurance

If you choose not to insure your bike – no problem. We also offer a specialist cycling policy solely for the rider. This can be purchased as a completely stand-alone product. Cool, right? This product can be completely customised to suit your pocket and needs. Here are some of the benefits you can choose from: Third Party Liability, Roadside Assistance (USA) / Transport Reimbursement (UK), Extended Protection during competitions or racing, and Medical Payments (USA) / Personal Accident (UK).

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