Find fast answers to our most frequently asked questions



  • Do I need to buy extra insurance when I ship my bike?

    We get that cyclists often ship their bikes so with our physical damage coverage your insured bike is always covered while in transit by land or air, to and from within the USA or Canada. We will even cover it internationally if you have purchased the optional Worldwide Physical Damage coverage.

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  • What is not an accident?

    Normal wear and tear to the bike is not accidental, and will not be covered. Example of normal wear and tear is a drivetrain wearing, chain stretching or tire issues, brake pad replacement etc.

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  • If I rent a bike is that covered?

    If you are participating in an organized or competitive event more than 50 miles away from home and your insured bike is not rideable due to a covered loss, we will reimburse you for your bike rental. For extra peace of mind, we will also provide the same coverage to your temporary/substitute bike that you have on the insured bicycle. (The temporary/substitute may not be owned by you and must be used with the permission of the owner.)

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  • When can I make a claim?

    Whenever there is accidental damage to your bicycle and to repair it exceeds the policy deductible, you have a potential claim. Don’t hesitate to call Chain Reaction Cycles Insurance to discuss if you have any questions.

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  • What is an accident?

    An accident is an unforeseen incident that happens unexpectedly and unintentionally, typically resulting in damage or injury.

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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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  • Do you cover batteries?

    We cover batteries for your electric bicycle the same as we do any other part of your bicycle. Whenever you have a valid bicycle claim, you may be eligible to claim on the battery as well.

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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 info@insurance.chainreactioncycles.com

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

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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

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E-bike Insurance

We'll even protect your e-bike battery

Complete coverage at home, away, when competing and worldwide

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