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 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

Feefo

5/5

Independent rating based on 178 reviews

5 out of 5 stars

Bikmo Customer / 13 hours ago

Excellent friendly and informative

My claim was processed quickly and fairly.

5 out of 5 stars

Bikmo Customer / 2 days ago

My claim was processed quickly and fairly.

Wonderful.

5 out of 5 stars

Ammishadai Owusu Ansah / 4 days ago

The service clearly gives opportunity to have one's bike to be properly insured and for me sinc it is my first insured bike i am happy.

Nice and easy :)

5 out of 5 stars

Andrew Horton / 5 days ago

The website is clear, the video helped me understand the cover, and the set up was quick and easy. The only thing which was tricky, was getting to understand the locking requirements and finding an eligible lock. I appreciate Bikmo don't want to give advice and be liable, but personally I found this took a long time.

Simple and comprehensive

5 out of 5 stars

Andrew Scott / 6 days ago

Quick and easy to get an online quote and get insured. Cover looks comprehensive and I have had good recommendations from friends who have had to claim.

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.

£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.
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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.