Road Cycling IE Mobile Road Cycling Insurance Road Cycling IE Web

DISCOVER A LIFE LESS ORDINARY

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

Get a quote

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 292 reviews.
Quick and detailed questions
Was easy to fill in, very detailed and informative. Emails where quick when taking out the policy so very reassuring….
So far so good
So far, so good. Bikmo members have explained what I need to document upon insurance and answered my questions. There is also video content with information on …
Simple to use
Simple to use platform
Bike=Quick, Simplistic and Efficient
Found the site, easy, clear and quiet directive. So got myself sorted with some insurance for I was looking for….
An Insurance for everything
Looks like a great insurance for myself and my ebike, it covers everything and more. Great price for the year, thank you. Not used (hope it pays when needed)…
Value for money
Exceptional value for money and simple toapply
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, cargo and Brompton Electric bikes.

With our electric bike insurance policy, we can only cover pedal assisted electric bikes that have a maximum continuous rated power output of .25 kW (250 Watts), are restricted to 25 km/h (15.5mph) and are not defined as a ‘mechanically propelled vehicle’ (MPV).

If you use a de-restrictor kit, your e-bike can be propelled without you pedalling or your e-bike motor has more power as standard, then your insurance will be invalid.

If you’re not sure, get in touch with the team.

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

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
Kryptonite sold secure bike d-lock
Advice and Tips

Best bike D locks for 2022 from an insurer’s perspective

4 cyclists riding on hill
News

Open Project – Cycling Claims 2021

commuting by bike header
Advice and Tips

The Ultimate Commuting By Bike Guide