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E-BIKE INSURANCE
FOR POWERED RIDERS

Electric bike insurance designed all powered riders whether you ride MTB, road, commute or cargo bikes. From €5.00/mth.

Why choose Bikmo for your e-Bike insurance?

Insure your electric bicycles, accessories and clothing with a team who ride.
1
Designed for power
Comprehensive cover built for assisted riders, including your accessories, clothing and helmet. All riding types covered. Pay monthly with 0% interest.
2
Super Simple
2 minutes to purchase and 24/7 access to your cloud account to make adjustments for new bikes, upgrades, claims and profile updates.
3
Built by riders
We’re committed to protecting the worlds’ riders. Every time you pick up the phone, drop us a message or see us at an event you’ll speak to people who ride.
1
Designed for power
Comprehensive cover built for assisted riders, including your accessories, clothing and helmet. All riding types covered. Pay monthly with 0% interest.
2
Super Simple
2 minutes to purchase and 24/7 access to your cloud account to make adjustments for new bikes, upgrades, claims and profile updates.
3
Built by riders
We’re committed to protecting the worlds’ riders. Every time you pick up the phone, drop us a message or see us at an event you’ll speak to people who ride.

OUR COVER LEVELS

Annual
Monthly

OUR COVER LEVELS

Theft & accidental damage
€250 or 10% clothing & headgear
€250 or 10% accessories
Worldwide cover
Event fee cover
Up to 50% multi-bike discount
€500 or 10% bike box cover
€150 Returning home cover
€500 Alternative cycle hire
Event cover inc. Tri + Sportives
Family cover
Excess-free Bikmo replacement option
Vandalism
Cancellation
+ VIEW ALL BENEFITS

Annual

Take an annual contract and rest easy for 12 months. One simple payment, no extra costs.
Theft & accidental damage
€250 or 10% clothing & headgear
€250 or 10% accessories
Worldwide cover
90 days
Event fee cover
€500
Up to 50% multi-bike discount
€500 or 10% bike box cover
€150 Returning home cover
€500 Alternative cycle hire
Event cover inc. Tri + Sportives
Family cover
Excess-free Bikmo replacement option
Vandalism
Cancellation
30 days notice
+ VIEW ALL BENEFITS

Monthly

Our rolling monthly contract gives you the freedom to stop and start as you please.
Theft & accidental damage
€250 or 10% clothing & headgear
€250 or 10% accessories
Worldwide cover
90 days
Event fee cover
€500
Up to 50% multi-bike discount
€500 or 10% bike box cover
€150 Returning home cover
€500 Alternative cycle hire
Event cover inc. Tri + Sportives
Family cover
Excess-free Bikmo replacement option
Vandalism
Cancellation
Cancel next month’s cover at anytime
+ VIEW ALL BENEFITS

What our customers are saying

4.6 / 5
Independent rating based on 670 reviews.
Great value
Great service and value for money
Very good
Good and quick to set up
Genuinely amazed at the speed of service.
The website was clear and informative, which helped our decision to buy two bike locks. Only downside was I had to have a bright colour because the black in lar…
Very helpful all personal that I spoke to was patient polite professional
Excellent very patient with me
Good quality cover at a reasonable price.
Easy to follow instructions and good comprehensive cover at a reasonable price.
New to bike insurance.
Was looking for bike insurance and Bikmo fitted the bill. Easy to understand and value for money.

Don’t just take our word for it.

“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

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Electric Bike Insurance FAQs

My e-bike has more than a 250w motor, will you still insure it?

No – with our electric bike insurance policy, we can only cover pedal assist electric bikes that have a maximum power output of 250 watts, are restricted to 15.5mph or 25 km/h and cannot be ridden by someone under the age of 14.

If you use a de-restrictor kit, 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.

Are my e-bike’s battery and motor covered by the policy?

Yes and no – you are covered for damage sustained to your electrical drive train during an incident with your Bikmo Electric bike policy, including the battery, motor, gearbox and control system, in addition to theft and vandalism.

However, we don’t cover system faults resulting from electrical or mechanical failure which is not linked to an incident. These types of failures should be covered by a manufacturer’s warranty for a given period of time, normally a minimum of 12 months.

We recommend speaking with your retailer or the manufacturer directly to discuss warranty coverage, the potential for extended warranty and the extent of the coverage.

Full e-bike policy benefits
I plan on using my e-bike abroad on holiday, am I covered?

Yes – your Bikmo e-bike Insurance policy cover includes worldwide cover for 90 days a year. That even includes theft or damage whilst you’re travelling and your bike is in transit.

If an airline trashes your bike before you get there, you’ve peace of mind with our alternative cycle hire benefit too.

You don’t even need to let us know, just go ahead and enjoy your break!

Full e-bike policy benefits
I ride carefully, do I have to have cover for accidental damage?

Yes – all of our Electric Bike and Cycle Insurance policies cover accidental damage as standard. That includes accidental damage whilst riding, if someone else causes you to have an accident or even if you damage your e-bike during transit.

In 2020, our customers made more claims for accidental damage than theft. It’s often overlooked as a benefit, as we’re more aware of theft stories in the media than Joe Bloggs slipping on a greasy corner on his morning commute.

We don’t currently offer any Bikmo cycle insurance policies without accidental damage cover, as we feel this is one of the main risks of bike ownership and a key benefit of our cover.

I ride an electric mountain bike – can I get insured?

Yes – our Electric Bike insurance policy includes e-bikes of all disciplines, so you’re covered whether you ride trails, park, gravel or for your commute.

We even include events as standard with all policies so you’re covered if you choose to enter an e-mtb enduro. Just make sure it’s fully charged before you head for the great outdoors as they’re hard to pedal when the battery dies!

Full e-bike policy benefits