Find fast answers to our most frequently asked questions

  • 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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  • What does it cost to take out a policy?

    The cost of a policy depends on a number of factors including the value of your bike and the options you select. Many of our customers agree that purchasing a Chain Reaction Cycles Insurance policy is a small price to pay relative to the cost of replacing your bike. The easiest way to take out a policy is to get a quote on our website or call one of our team on (+1) 805 456 4999.

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  • What is a deductible?

    Your deductible is the amount of money you are responsible for paying in the event of a covered loss (a claim) to the insured bicycle. For example, if your $5,000 bike is stolen with a $250 deductible on Bicycle Physical Damage, Chain Reaction Cycles Insurance would pay up to $4,750 for the claim and your responsibility would be $250. Chain Reaction Cycles Insurance offers deductible options ranging from $100 up to $500.

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  • How much coverage do I need?

    Each bike rider’s needs are unique and each bike is different. It is important that you consider your situation and needs carefully. We have all kinds of coverage options for both rider and bike to choose from. Please drop us a line if you have any questions.

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  • Do you offer coverage for my bike rack?

    No we don’t cover bike racks on our policy but check with your auto insurance. It is typically provided there.

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  • Can I purchase the policy online?

    Absolutely. Click here, fill in the form, decide how you want to pay and go ride!

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  • What do I need to do if I need to file a claim?

    Making a claim is simple. Please refer to our ‘Claim’ page and follow the simple directions to file your claim. Otherwise give us a call on (+1) 805 456 4999 and we will walk you through it.

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Have a question about bicycle insurance?

We're always happy to answer any questions you have. Call or drop us an email:

(+1) 805 456 4999

Our insurance products

Rider Insurance

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

Get a quote

Bicycle Insurance

Customized, awesome protection for as low as $9 per month!

Great coverages as standard + you can select optional coverages to suit your ride

Get a quote

E-bike Insurance

We'll even protect your e-bike battery

Complete coverage at home, away, when competing and worldwide

Get a quote