Policy Benefits
Cover for your bikes
Comprehensive cover for all levels of riders from beginner to when n+1 gets out of hand
Theft
No one wants their prized custom build or commuter bike to be stolen. It happens though, and that’s why we’re here. Just make sure you comply with our locking requirements, it’s the main reason for a claim to unfortunately be declined.
Accidental Damage
Take a tumble on a gnarly downhill, or a bend too quickly on a damp road! Everyone crashes, even the pros. Our policy covers you for accidental damage to your bike and components, so you can get back up and keep on riding.
50% multi-bike discount
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 out riding the other, which means you don’t need a separate policy for each.
90 days worldwide
Planning to take a trip to the Alps? we wish we were coming too! Whether you’re exploring the trails or tarmac, you’ll have the same level of cover for your bike and kit as you do in the ROI.
Vandalism
Seems unlikely, but if anyone gets a touch of the green-eyed monster and damages your pride and joy, we’ll cover you for that too.
Family cover
If you dare let your pride and joy out with a family member who lives with you, then they’ll be covered. Simple.
Emergency cycle hire
Airline trashes your bike on route to the Etape or you take a spill exploring foreign roads; if your bike’s damaged or stolen, we’ll cover a temporary hire bike up to €500 or the cost of your claim (whichever is lesser), so you can focus on your tan lines. Phew!
Cover for your kit
We know you can wear as much value as the bike so ride so we include a lot of kit related benefits as standard.
Clothing + Headgear
Looking the part, protecting yourself for trails, or being fully kitted for your Triathlon, doesn’t come cheap, so our policies include cover for your clothing and headgear against accidental damage and theft. You get a minimum of €250, or 10% of your total insured bike value, as standard. So if your bikes are worth €4000, that’s €400 of cover!
Accessories
Gadget geek? We cover accessories attached to your bike as standard, so items like your Garmin, lights and panniers are included. You get a minimum of €250, or 10% of your total insured bike value, as standard. So if your bikes are worth €5000, that’s €500 of cover! *Battery life and electronic malfunction not included.
Bike box cover
Bike adventurers need to protect their ride. If your bike box is damaged or stolen at the same time as your bike, you get €500 minimum bike box cover included with your Bikmo policy, or 10% of your total insured bike value, if that’s greater. So if your bikes are worth €8000, that’s €800 of cover! Go explore!
Cover for you
Our mission is to enable you to ride more so you need to be protected.
Returning home cover
Call the broom wagon! If you’re out riding or on your commute, and suffer from accidental damage or theft, we’ll cover the cost of your transport home up to €150.
Event + race cover
Whether you’re trying your first sportive, aiming for a triathlon PB or hitting the DH scene, there’s cover for you.
Sportive/gran fondo/audax cover
The most popular types of rides from beginner to expert are covered as standard with our policy.
MTB + gravel cover
Prefer the mud and trails over tarmac? No problem. All off-road MTB, cyclo-cross and gravel events and races are covered as standard on our policy.
Triathlon cover
If just the bike isn’t enough and you run and swim too, then we cover triathlon and duathlon as standard with our policy, including wetsuits and transition area theft cover.
Time Trials + other races
With so many disciplines, we can’t list them all. So whether it’s a local club TT, a BMX meet or track league at the velodrome, provided it’s not a road race, circuit race or crit, you’ll be covered on our policy.
Event fee cover
Gutted to miss your competition through injury or a crash? We know how it feels, so we provide €500 cover for many types of events.
Other key benefits
Built for you – here are the extras you get as standard with Bikmo that you don’t pay any extra for.
Excess free claims option
We love local. That’s why we offer excess-free claims, through our local retailer network. If your claim’s settled as cash, there’s an excess of €40 or 10% of the claim value, whichever is greater.
24/7 Cloud account
You’re in control. Make changes to your bike values, access claims and benefits 24/7 with your Bikmo Cloud Account. Even works on the trail through your smartphone.
0% monthly payments
We won’t charge you to split your payments across the year, so maybe a new wheelset is in order? Lighter, faster and all that.
Bike geekline
We provide service as fast as we ride. Every team member at Bikmo is a bike geek and we only do cycle insurance. Contact Keith and his team for a personal, bike-only chat!
