Road cycle insurance
designed for tarmac.

Award winning cover for you, bikes and kit
whether you ride sportives or tour.

Why choose Bikmo for your road cycling insurance?

Created for the road

Fast commute, tarmac adventure or a one-day road race; we’ve got you covered. Home or abroad, we can protect you, your bikes and kit, whatever your riding style. That leaves you free to enjoy the open road on your terms.

Quicker than an espresso

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 using Strava while you enjoy your mid-ride coffee and cake.

We’re right behind you

We ride, we race, and we tinker…we get bikes. Whether it’s touring the lanes or a through-and-off with a local club; 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

Slow website

4 out of 5 stars

Joe Besant / 15 hours ago

The service seems great so far but the website kept crashing and I kept having to start again

Great Service

5 out of 5 stars

Andy Hardy / 19 hours ago

I’ve been with Bikmo for a few years now. Every time I have to contact them they’re always really helpful & friendly. If I ever look elsewhere for a quote Bikmo always come out cheaper. They’re cyclists & you can tell. A nice response when I told them about my new Tarmac. I didn’t actually look anywhere else to insure it. Plus, as a British Cycling member you get a discount. I will pop in for a coffee one day 😃

5 out of 5 stars

Bikmo Customer / 2 days ago

Excellent customer service and answered my query quickly & thoroughly.

Bike insurance.

4 out of 5 stars

Bikmo Customer / 2 days ago

I wanted bike insurance for a week. I got bike insurance for a week. I didn't need to claim on the insurance so can't give any detailed review but have now typed enough characters to fill this review box.

Good service

5 out of 5 stars

Bikmo Customer / 2 days ago

Quick fast response, sorted issue 👍

Road bike policy benefits

Accidental damage

You ride fast and long, but sometimes the tarmac bites 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 carbon steed get stolen? It happens and that’s why we’re here, just make sure you comply with our locking requirements.

£2m Public liability

On the commute, club run or sportive, 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.

365 Worldwide

Planning a training camp in the sun? Good luck. We’ll cover your bike & kit anywhere in the world whether you’re riding, racing, or in transit. You just concentrate on the tan lines!

Accessories

Extras attached everywhere? We cover bike accessories as standard, so your Garmin, lights & saddle bag are included. Battery life and performance not included. Limits apply.

Clothing + Headgear

Your helmet, glasses 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 road rash…Limits apply.

Road Cycle Frequently Asked Questions

Can you cover my bikes on a training camp in Tenerife?

Your Bikmo policy covers you 365 worldwide, which includes any Spring training camps to avoid British winter weather. You don’t even need to let us know, just enjoy the sun and get the miles in. We even cover your bikes and kit in transit, if an airline trashes your bike before you get there.

My clothing and kit cost as much as my bike – are they covered?

With Bikmo you get £250 or 10% of your total sum insured towards clothing and kit. So if you insure £3,000 bikes, you get £300 cover for clothing and helmets, plus a further £300 towards accessories. Almost enough for that Rapha jacket then?

I’m riding a sportive in the Lake District – do I need extra cover?

Nope. Your Bikmo policy covers you for sportives as standard, allowing you to focus on reaching the next feed station with peace of mind. You can even activate your ‘Returning home’ cover of up to £150 if you have an incident during the sportive.

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.