Policy Benefits

Cover for your bikes

Comprehensive cover for all levels for riders from beginner to when n+1 gets out of hand

Theft

Argh, did your prized bike get stolen? It happens and that’s why we’re here, just make sure you comply with our locking requirements.

Accidental Damage

Everyone crashes, even the pros. Our policy covers you for damage you inflict on your bike so you can get back up and keep on riding. Bicycle insurance designed for a cyclist’s needs.

New for old

We don’t depreciate bikes of any age. You’re covered for the value you’ve insured for, even that vintage Stumpjumper in the garage.

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.

365 worldwide

Planning to take a trip to the Alps? Good luck. We’ll cover your bike & kit anywhere in the world whether you’re riding, racing, or in transit. Time to squeeze another training ride in?

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 riding the others.

Family + friends

If you dare let your pride and joy out with a family member or friend who live with you, then they’ll be covered. Simple.

24/7 ‘cycle hangar’ parking

Free up space in your home by using on-street parking, and we’ll cover your bikes 24/7. Check the ‘cycle hangar’, and how you use it, meets our policy requirements.

Emergency hire

Airline trash your bike on route to the Etape? We’ll cover a temporary hire bike if the worst happens before your big event. 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

We know you can wear the same value as your bike cost, so we cover clothing and headgear, as standard. You just need to sort out the gravel rash…

Accessories

Gadget geek? We cover bike accessories as standard, so your Garmin, lights, power meter are included. Battery life and performance not included. Limits apply.

Bike box cover

Bike adventurers need to protect their ride. You get £500 minimum bike box cover included with your Bikmo policy. Go explore!

Cover for you

Our mission is to enable you to ride more so you need to be protected. Most covers are just available with our Plus and Race policies.

£2m public liability

If you’re at fault when out riding and things go wrong, Bikmo is here for you up to the value of £2 million + defence costs too. Still, we recommend staying upright. PLUS and RACE only.

£20k personal accident cover

Even the best riders crash. Our personal accident cover will pay out £20k for life-changing injuries, and up to £1.5k for optical and dental injuries sustained whilst riding your bike. PLUS and RACE only.

£5,000 medical expenses inc physio

Financial support for any medical expenses required to get you back on your bike after an incident. PLUS and RACE only.

£2,500 counselling expenses

Support for any counselling required as a result of a bike related incident. PLUS and RACE only.

£1,000 dental injury

Support for any dental injuries sustained during a bike related incident. PLUS and RACE only.

£500 optical injury

Support for optical injuries sustained during a bike related incident. PLUS and RACE only.

£100k legal expenses

You get £100k legal expenses cover with your Bikmo policy. This is a free companion cover, underwritten by ARAG.

Returning home cover

Call the broom wagon! If you’re out riding and can’t make it home as a result of accidental damage or theft, we’ll cover the cost of your transport up to £150.

Event + race cover

Whether you’re trying your first sportive, triathlon, hit the DH scene or race crits, there’s an option for you.

Sportive/gran fondo/audax cover

The most popular types of rides from beginner to expert are covered as standard with all our policies.

Road, criterium + circuit racing

For the most competitive rider, our RACE policy covers all types of racing including bunch starts and those ranked by result.

Race fee cover

Gutted to miss your competition through injury or a crash? We know how it feels. £500 of cover only with our RACE policy.

Triathlon cover

If just the bike isn’t enough and you run and swim too then we cover triathlon as standard with all policies, including wetsuits and transition area cover.

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!