FAQs

We have great optional medical coverage available. If you opted for this coverage and you are injured while you were riding your insured bike, we will cover some of your medical bills up the limit you selected.

This is a great optional benefit and only costs $10/year per bicycle. If you are stranded next to the road we will have you and your bike picked up within 30 minutes and dropped off at a location of your choice (within 35 miles from where you are stranded). It also features a “lock out service”, so if you lost the key to your bike lock we will send a locksmith out to cut your lock for you.

Vehicle Contact Protection is an optional coverage option available for you if you should get into an accident with a car with an uninsured or underinsured driver. The protection covers the costs associated with the physical injuries you sustain will be covered up to the benefit limit.

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.

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.

With Chain Reaction Cycles Insurance you have the option to insure your bicycle up to its replacement value. So if you insure it for $1,000 or more, you will be protected.

Yes, but the standard locking rules apply – your bike must be secured to an immovable object with an appropriate security device like a bicycle lock.