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Isn’t my bike covered under my homeowners or renters insurance?

You may have some cover under your homeowners or renters policy but there will be limitations and restrictions to the value and what exactly is covered on your bike. With Chain Reaction Cycles Insurance you can be rest assured that your policy was built specifically for cyclists. On top of that most homeowners or renters policies will your premium if you file a claim.

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Do you cover accidental damage to my bike if I crash it?

We sure do, and that’s one of the big advantages of a bicycle insurance policy. You are even covered when you race your bike and have the option to extend the coverage to riding and racing anywhere in the world.

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Is my bicycle covered under my homeowners or renters insurance?

Each policy is different but homeowners and rental policies generally cover bicycles in a very limited fashion. They usually have very low limits, so it you have a $2,000 bike and it gets stolen, and the limit on your policy is $500, you will only get $500. Homeowners and rental policies also usually don’t provide any coverage for damage while you ride your bike, especially if you race it.

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How much should I insure my bike for?

This is a replacement value policy. The maximum value you’ve stated for your bicycle during your application is the maximum amount that we may pay up to in the event of a claim. You’ll want to make sure the limit is high enough to replace your bike as it is currently configured. Don’t forget to add the value of your accessories and other components you want covered.

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Do you cover e-bikes?

We think e-bikes are awesome and we cover them the same way as we cover any other bicycle with the added protection for your e-bike battery. Please make sure that you let us know by selecting the e-bike option when prompted in the quote process.

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Will you cover me for a trip to Europe?

Our physical damage coverage can be extended to cover your bike anywhere in the world with our optional Worldwide protection.

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Do you cover e-bikes?

We think e-bikes are awesome and we cover them the same way as we cover any other bicycle with the added protection for your e-bike battery. Please make sure that you let us know by selecting the e-bike option when prompted in the quote process.

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Visit Us On FacebookVisit Us On Instagram

How much should I insure my bike for?

This is a replacement value policy. The maximum value you’ve stated for your bicycle during your application is the maximum amount that we may pay up to in the event of a claim. You’ll want to make sure the limit is high enough to replace your bike as it is currently configured. Don’t forget to add the value of your accessories, spare parts and other components you want covered.

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