The following pages contain your policy documentation and information you need to understand what our policies do, so you can make the decision if they’re right for you.
We always recommend comparing us against other providers, to give you more confidence in how comprehensive and good value our products are, and peace of mind that you’ve chosen the right team behind them.

Bikmo UK cycle insurance

These documents relate to your cycle policy including theft, damage and policies containing third party liability and personal accident cover and are underwritten by Hiscox.

Policy wording

The policy wording highlights, in detail, everything that you need to know in regards to your Bikmo cycle insurance policy. Grab a coffee and take a read.


Hiscox have over 100 years of experience in speciality risk including ocean liners and inter-planetary probes so are perfectly positioned to cover your bikes.

Legal expenses cover

These documents relate to your legal expenses cover which can provide protection for legal costs if you are involved in an incident with a third party, and the third party is at fault. Your legal expenses cover is underwritten by ARAG and included as standard with your Bikmo cycle insurance policy.

ARAG policy wording

This policy wording contains the detailed benefits and limitations and is specific to your £100k legal expenses companion cover, not your main Bikmo policy.


ARAG was founded in 1935 in Germany and 2006 in the UK with their vision that ‘Every individual should be able to assert his or her rights, not just those who can afford it’.

Key information + useful links

Below are some additional guides and information that will help you make the use of your Bikmo cycle insurance policy.

Accessory + clothing definitions

To avoid any confusion with the terminology used throughout your policy documentation, check out the accessory + clothing definitions.

Add your bike + kit details

You can upload your bike(s) and kit details at any point to your cloud account. This speeds things along in the event of a claim, meaning less hassle for you.

Updating your card details

Whether your card has expired, you’ve changed banks or you just fancy changing your cards, you can update your card details within your account 24hrs a day.

Adjust your policy

Bought a new bike recently? Or maybe you’ve sold one? You can make adjustments to your policy 24 hrs a day, free of charge and there are no limits to how many times you do this.

Related Content