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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.

INSURANCE DESIGNED TO PROTECT YOUR PASSION

Simple, brilliant and inclusive bicycle insurance for road, MTB, triathlon and e-bike riders.
Road Cycling IE Tablet

What our customers are saying

4.6 / 5
Independent rating based on 685 reviews.
Would recommend totally
Excellent service, good advice, knowledgeable and all my questions answered
Excellent service
I had approached Pure Electric for support with a bike I wished to buy that was on their website. Luke (Manchester store) was extremely helpful not just choosin…
Thanks for making it easy to insure my bikes
Tom explained carefully what my insurance would cover and how it overlapped with my British Cycling insurance. He helped me sort out what model my bikes were an…
Insurance made easy
Excellent and easy setup online no waffle just straight to the insurance
Dolan gxa insurance
Quick and easy to use
Good price, good servixe
Best price with the most extras included, easy to use website with clear t&cs helping me make an informed decision. Lots of helpful articles on the site….
HOW IT WORKS

IT’S AS EASY AS PIE

Find the right cover for you
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
Once you’re set, take out a policy in minutes. Insurance made easy. Powered by great technology.
Enjoy your adventure
Easy to manage 24/7 from your Cloud Account. Enjoy your adventure knowing that we’ve got your back.
Find the right cover for you
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
Once you’re set, take out a policy in minutes. Insurance made easy. Powered by great technology.
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Enjoy your adventure
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 Blog

how to lock your bike header

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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Inspiration

Zwift Racing – Road to Cat A

Inspiration

Impact Report 2020

securing your saddle header
Advice and Tips

Securing Your Saddle: How To Outsmart Thieves

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.

How to value your bike
I’m travelling with my bikes – is it covered in transit?

Yes – Bikmo bike insurance policies cover your bikes whilst in transit when you travel with it by train, boat or plane.

Airlines generally only ever pay up to €1400 for any items damaged or lost in transit and you could be tied up in a waiting list to get your bike repaired. So we’ll repair or replace your bike regardless of the outcome of airline compensation.

Full Cycle policy benefits