Chain Reaction Cycles Insurance are 12 month policies that covers your bike in the USA & Canada. While our policies are all calculated on an annual premium, we have taken into account where you live. So while you might only be able to ride for 9 months of the year because you are under 5 feet of snow in winter, your annual premium will reflect this. Keep in mind, any number of things can happen to your bike during the non-riding months (theft, vandalism, etc.), and we will cover many of those mishaps. Plus, you can receive a credit on your renewal rate for maintaining loss-free, continuous coverage.