H. G. Wells 
The Wheels of Chance: A Bicycling Idyll [PDF ebook] 

The Wheels of Chance is an early comic novel by H. G. Wells about an August 1895 cycling holiday, somewhat in the style of Three Men in a Boat. In 1922 it was adapted into a silent film The Wheels of Chance directed by Harold M. Shaw.
The Wheels of Chance was written at the height of the cycling craze (1890–1905), when practical, comfortable bicycles first became widely and cheaply available and before the rise of the automobile. The advent of the bicycle stirred sudden and profound changes in the social life of England. Even the working class could travel substantial distances, quickly and cheaply, and the very idea of travelling for pleasure became a possibility for thousands of people for the first time. This new freedom affected many. It began to weaken the rigid English class structure and it gave an especially powerful boost to the existing movement toward female emancipation. Wells explored these social changes in his story.
The hero of The Wheels of Chance, Mr. Hoopdriver, is a frustrated 'draper’s assistant’ in Putney, a badly paid, grinding position (and one which Wells briefly held); and yet he owns a bicycle and is setting out on a bicycling tour of 'the Southern Coast’ on his annual ten days’ holiday.
Hoopdriver survives his frustration by escaping in his imagination into a world of fantasy. He is not a skilled rider of his forty-three-pound bicycle, and his awkwardness reflects both Wells’s own uncertainties in negotiating the English class system and his critical view of that society. Nonetheless, Hoopdriver is treated sympathetically: 'But if you see how a mere counter-jumper, a cad on castors, and a fool to boot, may come to feel the little insufficiencies of life, and if he has to any extent won your sympathies, my end is attained.’
Hoopdriver encounters a pretty young woman cycling alone and wearing rationals (bloomers). He dares not speak to the Young Lady in Grey, as he calls her, but their paths keep crossing. She is ultimately revealed to be Jessie Milton, a girl of seventeen who has run away from her stepmother in Surbiton, risking 'ruin’ at the hands of the bounder Bechamel, an unscrupulous older man who has promised to help the naive Jessie to establish herself an independent life but who is really intent on seducing her. Ironically, her flight has in part been inspired by liberal ideals of unconventionality that have been hypocritically promoted by her stepmother’s popular novels.
Hoopdriver half-inadvertently rescues her from Bechamel’s clutches, and the two proceed to cycle across the south of England. Ashamed of his true circumstances, Hoopdriver spins droll tales of South African origins and the comforts of wealth until shame induces him to confess his true circumstances. But he also displays genuine courage, rebuking insolent travellers who insult Jessie’s honour.
Hoopdriver’s encounter inspires in him a desire to better himself, as well as impossibly romantic feelings toward Jessie. At last a party consisting of her stepmother, some of her stepmother’s admirers, and her former schoolteacher catches up with them. Jessie returns home and Hoopdriver returns to the Drapery Emporium of Messrs. Antrobus & Co., but Jessie has promised to 'send him some books’ and has held out the vague prospect that 'in six years’ time’ things may be different.
Read this complete famous novel for further story….