Available policy benefits

Get a quote to select your cover level – and keep an eye out for which of these benefits are included.

Bike geekline

We provide service as fast as we ride. Every team member at Bikmo is a bike geek and we only do cycle insurance. Contact Keith and his team for a personal, bike-only chat!

£2m Public liability

If you’re at fault when out riding and things go wrong, Bikmo is here for you up to the value of £2 million + defence costs too. Still, we recommend staying upright.

24/7 Cloud account

You’re in control. Make changes to your bike values, access claims and benefits 24/7 with your Bikmo Cloud Account. Even works on the trail through your smartphone.

Mega insurer

We only work with the best. Which is why we chose the superb Hiscox to underwrite your Bikmo policy. Specialist insurers for cycle specialists.

Accidental damage

Everyone crashes, even the pros. Our policy covers you for damage you inflict on your bike so you can get back up and keep on riding. Bicycle insurance designed for a cyclist’s needs.


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

365 Worldwide

Planning to take a trip to the Alps? Good luck. We’ll cover your bike & kit anywhere in the world whether you’re riding, racing, or in transit. Time to squeeze another training ride in?


How many bikes should you own? n + 1. Correct. So we offer up to 50% discount on the bike value you leave at home while riding the others.

New for old

We don’t depreciate bikes of any age. You’re covered for the value you’ve insured for, even that vintage Stumpjumper in the garage.

0% monthly payments

We won’t charge you to split your payments across the year, so maybe a new wheelset is in order? Lighter, faster and all that.

£20k Personal accident

Even the best riders crash. Our personal accident cover will pay out £20k for life-changing injuries, and up to £1.5k for optical and dental injuries sustained whilst riding your bike.


Gadget geek? We cover bike accessories as standard, so your Garmin, lights, power meter are included. Battery life and performance not included. Limits apply.

Clothing + Headgear

We know you can wear the same value as your bike cost, so we cover clothing and headgear, as standard. You just need to sort out the gravel rash…

Bike box cover

Bike adventurers need to protect their ride. You get £500 minimum bike box cover included with your Bikmo policy. Go explore!

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.

Competition cover

You need to attack the bunch to move up a cat. We get that. That’s why we provide cover for competitions with Bikmo, to keep you racing for the line.

Emergency hire

Airline trash your bike on route to the Etape? We’ll cover a temporary hire bike if the worst happens before your big event. Phew!

Excess free

We love local. That’s why we offer excess-free claims, through our local retailer network. If your claim’s settled as cash, there’s an excess of £40 or 10% of the claim value, whichever is greater.

Family + friends

If you dare let your pride and joy out with a friend or family member, then they’ll be covered. Simple.

24/7 ‘cycle hangar’ parking

Free up space in your home by using on-street parking, and we’ll cover your bikes 24/7. Check the ‘cycle hangar’, and how you use it, meets our policy requirements.

£100k legal expenses

You get £100k legal expenses cover with your Bikmo policy. This is a free companion cover, underwritten by ARAG.

Race fee cover

Gutted to miss your competition through injury or a crash? We know how it feels. You can get up to £1000 race fee cover with Bikmo.


Seems unlikely, but if anyone gets a touch of the green-eyed monster and damages your pride and joy, we’ll cover you for that too.