Who we cover

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MTB insurance designed
for lovers of the trail.

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

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£50 discount voucher bundle included with every Bikmo policy

Why choose Bikmo for your MTB insurance?

Designed for dirt

Whether you downhill, love a trail centre blast or exploring natural trails, we’ve got you covered. Choose your cover from our 3 options, GO, PLUS and RACE.

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 Strava while you enjoy a 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

Feefo

5/5

Independent rating based on 178 reviews

A very good option for cyclists’ insurance.

4 out of 5 stars

Bikmo Customer / 5 days ago

I looked at buying Bikmo’s bicycle insurance after seeing recommendations from fellow cyclists. It looked good and I decided to buy it and the process was very straighforward. I’m happy with my cover and the ease at which I was able to obtain it.

Friendly, accurate and professional service!

5 out of 5 stars

Alan Patton / 2 weeks ago

I made contact with you over the phone in order to get insurance coverage. I was treated to friendly and professional advice. Each of my queries were answered frankly and accurately. So impress, I bought insurance from you. Many thanks.

Great insurance company

4 out of 5 stars

Philip Frost / 3 weeks ago

Great insurance at reasonable prices. Easy to update details too.

5 out of 5 stars

Gareth Smith / 3 weeks ago

I haven't made any claims yet, but on paper their policies much more bang for their buck than competitors. Policy stipulations are laid out much more clearly than competitors as well. It's also great that all staff are bike riders themselves!

5 out of 5 stars

Bikmo Customer / 3 weeks ago

Easy to take out a policy. Good service

Check out more reviews

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.

Theft

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?

Accessories

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.

Multi-bike

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.

Check out our full benefit list

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 great benefits, they’ve got the right packages for MTB.”

MTB Frequently Asked Questions

I’m off to ride Finale Ligure – can you cover me?

Yep – we ride like adventures too, so you’re covered worldwide as standard with your policy. Also includes damage or theft to your bike whilst in transit. Gives you more time for focussing on the trail.

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.

Check out more FAQs...

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.