E-bike insurance designed
for powered riders.

Award winning cover for you, bikes and kit,
whether you ride road, trails or commute.

£50 discount voucher bundle included with every Bikmo policy

Why choose Bikmo for your Electric Bicycle insurance?

Designed for electric bikes

Buzz around town or an e-bike adventure; we’ve got you covered. Home or abroad, we protect you, your bikes and kit, whatever your riding style. Prefer to pay for your pedelec monthly? No problems – we charge exactly 0% interest for monthly payments.

It’s ultra-simple

16 seconds for a quote and 2 minutes to take out a policy; insurance doesn’t need to be difficult. We use great tech to make everything easy, and accessible wherever you are 24/7. So simple, you can sign up while you enjoy your mid-ride caffeine hit.

We love bikes

We ride, we race, and we tinker…we get bikes. Whether it’s a busy commute or a shred on the local trails; we’re out there riding and we love it. Our passion comes through in all we do, and we’ll look after you and your e-bike like our own.

Independent reviews by



Independent rating based on 178 reviews

5 out of 5 stars

Travis Smutek / 5 hours ago

Everything included in the price. Haven’t had to claim but it seems straightforward enough.

Quick and easy

5 out of 5 stars

Hodge / 1 day ago

Really easy to use the site so a quick process.

Excellent, responsive and no nonsense service.

5 out of 5 stars

Tim Chapman / 4 days ago

These are cyclists who do insurance, not insurance brokers who try to cover cyclists with little understanding. They are helpful, straightforward &, as far as I can tell, honest. Great service so far.

Excellent service

5 out of 5 stars

Bikmo Customer / 4 days ago

Very clear, fast and helpful

5 out of 5 stars

Barry Hagger / 5 days ago

Very helpful and obliging. clear and polite on telephone

Your E-bike policy benefits

£2m Public liability

On the trails or your daily commute, if you’re at fault when out riding your e-bike and things go wrong, Bikmo is here for you up to the value of £2 million.


E-bike fully loaded with extras? We cover bike accessories as standard, so your Garmin, lights & hydration pack are included. Batteries not included. Limits apply.

Accidental damage

Whether it’s tarmac or trails, sometimes they bite back. Our policy covers you for damage you inflict on your e-bike so you can get back up and keep on riding.

Returning home cover

Call the broom wagon! If you’re out riding and can’t make it home as a result of accidental damage or theft, we’ll cover the cost of your transport up to £150.

Clothing + Headgear

Your helmet, waterproofs and shoes are nearly the same value as your bike, so we cover clothing and headgear, as standard. You just need to sort out the gravel rash…Limits apply.


Argh, did your e-bike get stolen? It happens and that’s why we’re here, just make sure you comply with our locking requirements

Juliet Elliott

“Choosing bicycle insurance can be confusing, so it was really refreshing to find these guys. Bikmo area a team of cyclists who fully understand how bicycles fit into our lives, and also they’ve made the process of buying and navigating super simple. It’s a weight off my mind to know my fleet are covered.”

E-bike Frequently Asked Questions

Am I covered on holiday whilst using my ebike?

Yes – your Bikmo e-bike cover includes worldwide cover, 365 days a year. The only thing excluded is third party liability in the US and Canada. You don’t even need to let us know, just go ahead and enjoy your break!

I ride an electric mountain bike – can I get insured?

Yep – our policy includes e-bikes of all disciplines so you’re covered whether you ride road or trails. Just make sure it’s fully charged before you head for the great outdoors as they’re hard to pedal when the battery dies!

Can I use a de-restrictor kit on my e-bike?

We can only cover pedal assist electric bikes that assist up to 15.5mph or are limited to 250 watts. If you use a de-restrictor kit then your insurance will be invalid and the bike comes under the Road Traffic Act which means tax and licensing.

Trusted by top brands.
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Meet the team

Small enough to care, large enough to cope, able to chat about bikes all day… your Bikmo team are here to help you enjoy your cycling more, give you peace of mind, the best deals, and the kind of service you and your bikes deserve.

That’s when we’re not riding the Welsh hills, anyway.