MTB insurance designed
for lovers of the trail.

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

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

5 out of 5 stars

Bikmo Customer / 1 day ago

Great company....can call and get a quote on the phone or online...gave me a discount too....excellent new for old and European cover for the bikes plus a portal where you can list your bikes and equipment. Would definitely recommend.

Quick response to policy quote queries.

5 out of 5 stars

Bikmo Customer / 2 days ago

Asked questions before purchasing policy and James Marsh pointed me in the right direction. Confident I got the right policy at the right price. Just hoping they are as good if I need to make a claim.

Lack of attention to detail so only 4 stars.

4 out of 5 stars

Theo martin / 2 days ago

I followed up with a request for a copy of the policy I was assured that a copy would be mailed to me. I never receved it WHY?

Super und schnelle Abwicklung

5 out of 5 stars

Fabrizio Cugusi / 2 days ago

Alles Super und Schnell Online abgeschlossen.

5 out of 5 stars

SImon Rohrmeier / 2 days ago

Sehr netter Kontakt und schnelle, unkomplizierte Bearbeitung im Schadensfall.

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. Battery life and performance 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.

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.

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.