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DISCOVER A LIFE LESS ORDINARY

Award- winning cycle and triathlon insurance designed to protect your passion.
Comprehensive cover from €5.00/mth.

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INSURANCE DESIGNED TO PROTECT YOUR PASSION

Simple, brilliant and inclusive bicycle insurance for road, MTB, triathlon and e-bike riders.
electric bike Insurance

What our customers are saying

4.6 / 5
Independent rating based on 562 reviews.
Great value for money
Great price, well described and excellent customer experience
Great!
Friendly, knowledgeable and clear advice.
Very helpful
The process was swift and the customer service got me through the line without much hassle
Really Simple to Use & Comprehensive Cover
So far amazingly simple and easy. I don’t like online forms much but Bikmo have made it simple. My Intense Carbine 29 is now a happy bike and I’m a happy Mounta…
Very good
Cheap and easy to apply.
Bike Insurance
Pretty straightforward to get quoted for the insurance. All sorted.
HOW IT WORKS

IT’S AS EASY AS PIE

Get a quote in seconds
Explore our products, find the right cover and get a quote in seconds. Get in touch if you have any questions.
Take out a policy in minutes
Once you’re set, take out a policy in minutes. Insurance made easy. Powered by great technology.
24/7 cloud account
Easy to manage 24/7 from your Cloud Account. Enjoy your adventure knowing that we’ve got your back.
Get a quote in seconds
Explore our products, find the right cover and get a quote in seconds. Get in touch if you have any questions.
Take out a policy in minutes
Once you’re set, take out a policy in minutes. Insurance made easy. Powered by great technology.
?
24/7 cloud account
Easy to manage 24/7 from your Cloud Account. Enjoy your adventure knowing that we’ve got your back.

A customer view

“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.” Katy Curd.

Bikmo Insurance FAQs

What are the locking requirements for my bike?

We apply the Sold Secure lock rating system to our policy requirements; it’s easy to follow and used by the cycling industry – www.soldsecure.com.

Locks are rated for their level of security, and we set a value of bike that is covered by each rating: Bronze (up to €300), Silver (€301 – €1700) and Gold (over €1700).

If your Sold Secure approved U lock comes with an additional wire cable, the cable is not included in the approved rating, it’s just the lock. This means that if you secured the bike through the frame to an immovable object, with the cable only, you wouldn’t be covered!

If you leave your bike unattended away from your home, it’ll need to be locked. There’s times at home too, depending on how you store it, so check out our Locking guide for full details on our requirements.

Locking Requirements
Do you insure e-bikes?

Yes – we do insure electric bikes. This includes MTB, road, hybrid and Brompton Electric bikes.

The E-bike’s motor must have a maximum power output of 250 watts, be pedal assisted, restricted to 15.5mph or 25 km/h and cannot be ridden by someone under the age of 14.

I own a lot of expensive bike accessories and clothing – are they covered?

With your Bikmo Road Cycle Insurance you get €250 or 10% of your total sum insured towards clothing and accessories.

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!

Accessories that are covered
What value should I insure my bike for?

We always recommend insuring for the current replacement value, and the value you state is the maximum value you’ll receive in the event of a total loss and successful claim.

So, if it’s a custom build or you’ve upgraded parts, simply add up the sum of the bike and parts, including pedals, with what it would cost to purchase them at today’s RRP, as doing this ensures that you’ll have enough cover if you need to make a claim.

If the bike is more than 3 years old, settlement will be on the basis of like for like for condition and age.

How to value your bike
I’m travelling with my bikes – am I covered abroad?

Yes – Bikmo bike insurance policies provide the same cover abroad as you have in the Republic of Ireland.

You’re covered for up to a maximum of 90 days, in any 12 month period… so go out and explore.

Full Cycle policy benefits

Bikmo Blog

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How to lock your bike

How to lock your bike It is any cyclist’s worst nightmare to have a bike stolen, especially when you think it has been securely locked using a trustworthy device. There are however, many ways to make your lock do more to protect your pride and joy. Make sure you lock it up effectively It’s common…
Read article
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