Our insurance products
Peace of mind from as little as $100 per year
A complete package to protect you as the rider + no deductible if you file a claim
Customized, awesome protection for as low as $9 per month!
Great coverages as standard + you can select optional coverages to suit your ride
We'll even protect your e-bike battery
Complete coverage at home, away, when competing and worldwide
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.
You won’t find the same policy coverage for less anywhere in the World!
Top rated insurer
We’ve partnered with A.M.Best “A” rated, insurance company Markel to provide a policy superior to any other
Bicycle insurance comparison
We’ve made it easy for you to compare our specialist policy alongside a homeowners or renters policy. Make sure you have the coverage you need and that your fully protected should the unfortunate occur. Plus, do you know that most homeowners or renters policies premiums may rise in the event of a claim?
Our insurance coverages
Our policy features have been designed to keep you in the saddle and your wheels spinning.
Theft happens. We’ll pay you the replacement cost of your bike and any insured parts & accessories if your stead is stolen at or away from home.
If you accidentally damage any part of your frame or totally write off your pride and joy we’ll cover the cost. Plus, we even include vandalism protection.
A slip on a corner, a jump gone wrong or even a knock whilst on the rack! Whatever’s inflicted on your bike, it’ll be covered.
Insured at Full Value
We know that your bike is priceless, that’s why we don’t depreciate bikes of any age. You’ll be covered for the value you’ve insured it for.
Whether your shredding down the Alps, racing the roads or taking a leisurely break with your loved one (we mean your bike), our Worldwide Physical Damage coverage will protect you when traveling the World.
Wherever and whatever you compete in, we’ll pick up the tab for accidental damage, crashes and theft.Included as standard.
Competition Fee Reimbursement
We know how expensive it can be to get to the start line. If your devastated to miss your race we’ll refund you up to $500 per event.
Vehicle Contact Protection
Designed to protect you against drivers that aren’t properly insured. If you’re injured by a motor vehicle, we’ll take care of the costs.
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 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.
Bikes we protect
Chain Reaction Cycle Insurance offers protection for every type of ride.
More from us
Get a great deal on protection, feed your Strava habit and view the latest gear and reviews on The Hub