Customized, awesome protection for as low as $9 per month
As part of our standard policy we’ll protect your bike at home, away, and even when your competing + whatever you need for your ride, you can choose it. Include what’s important to you and control the price you pay – simple, customized and affordable.
Policy benefits included as standard
You’ll get all of the below coverages as standard. Then customize from our optional features to create a policy to suit your ride.
Theft happens. We'll pay you the replacement cost of your bike and any insured parts & accessories if your steed is stolen at or away from home.
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.
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.
Wherever and whatever you compete in, we'll pick up the tab for accidental damage, crashes and theft.Included as standard.
If selected "racing" as a usage, you will have liability active coverage
Wrap your bike with some extra protection when you travel. Any damage or loss in transit, by airline or courier, will be covered by our in-transit policy benefit.
If you've got all the gear, we'll protect it for free! With our standard bicycle or e-bike insurance policy, we'll cover up to $1000 with no deductable for damage or loss to your apparel and gadgets.
Bike damaged or stolen while at a race or event? We'll keep you rolling with cover for renting a replacement bicycle if yours has been stolen or damaged while your away from home. Plus, we won't charge you an excess to get you your hire wheels.
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.
If you file a claim on your bike for damage, loss or theft, as part of our standard policy we'll provide up to $1000 for any damage or loss to additional (and expensive) spare parts.
It seems unlikely but if anyone damages your pride and joy, we'll cover you for that too.
Don't worry about leaving your valuable kit in transition. Our policy protects you against your bike and accessories going missing in this busy area.
Additional Bike Discount
If you follow the N+1 rule we think your great and will reward you! You could receive up to 40% off your stable.
Customize your coverage
You can choose any or all of the below coverages.
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.
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.
If you breakdown we'll get you moving again. Nationwide 24-hour emergency service with up to 35 miles of transportation per breakdown.
We'll protect you against Liability damage claims if you're responsible for injury or property damage to other road users while riding your bike. This extends to Competitions if you've selected that option.
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Why Chain Reaction Cycles Insurance leads the field
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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
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