MTB insurance designed
for lovers of the trail.

Award-winning MTB cover for you, bikes and kit
whether you ride DH, enduro or XC.

£50 discount voucher bundle included with every Bikmo policy

Why choose Bikmo for your MTB insurance?

Designed for dirt

Whether you downhill, love an off-road adventure or a one-day enduro, we’ve got you covered. Theft and accidental damage, 3rd party liability, home or abroad, we protect you, your bikes and kit : whatever your riding style.

It’s as easy as pie

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 with Facebook while you enjoy your mid-ride cake.

We get it

We ride, we race, and we tinker…we get bikes. Whether it’s throwing the full-sus downhill or a steady shred on the hardtail; 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 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 MTB policy benefits

Accidental damage

You ride the trails hard, but sometimes they bite back. Our policy covers you for damage you inflict on your bike so you can get back up and keep on riding.


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

365 Worldwide

Planning an epic Enduro in 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 in another downhill practice run?


Loads of extras? We cover bike accessories as standard, so your Garmin, lights & hydration pack are included. Batteries not included. Limits apply.

Clothing + Headgear

Your full-face, goggles 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.

£2m Public liability

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

Katy Curd

“As riders themselves, the Bikmo team understand bikes and the needs of cyclists. I like to ride fast and hit the trails hard, and I have the peace of mind that the team will look after me should the worst happen. From a super simple quote to comprehensive benefits, they’ve got it all covered.”

MTB Frequently Asked Questions

I ride Enduros – can I get cover?

Yep – we ride Enduros too, so you’re covered as standard with your policy for competitions on your MTB, including Enduros. That even includes overseas riding, should you find yourself on the World Enduro Series in Ireland or beyond.

How do I price my custom build?

Most of our riders customise their bike in some way, whether it’s a fully tricked out Hope rig or opting for stronger wheels for DH riding. You should put down the value for the bike it would take to rebuild it in the event it was stolen i.e. to buy everything again. Ask your local bike shop if you need any help.

Jumps and berms – am I covered?

We cover any jumps, drops and berms that are on properly designated trails such as trail centres or pump tracks. We don’t cover ‘stunts’ however, such as building a massive kicker in some privately owned woods.

Trusted by top brands.
brompton_white_400x400                                  sis_white_400x400                 bianchi_white_400x400deloitte-RAB_white_400x400                ms-society_white_400x400

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.