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Award-winning cycle insurance and travel insurance designed to protect your passion. From £3.73/mth.

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Road riding group UK

CYCLE INSURANCE
PROTECT YOUR RIDE

Simple, brilliant and inclusive cycle insurance for road, MTB, triathlon and e-bike riders.
Trail run UK travel insurance

SPORTS TRAVEL INSURANCE

Insurance for adventurers, wanderers and those after a trip less ordinary.

What our customers are saying

4.6 / 5
Independent rating based on 674 reviews.
First timer
My first time using their services hence the 4 star rating, easy to use the on line booking and insure my bike, the truth will be in the pudding should I need t…
Good customer service!
Good Customer service, thanks
Free initial insurance – very helpful.
It gives you peice of mind having free cover for a while while you sort out the final insurance. Very helpful….
So far so good
Set up is nice and easy though had to revert back to the Martin Lewis comparison website to see the excess explanation as i couldn’t find it in the summary. So…
Good service
Fine, no complaints
Simple.
Simple online system.
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.
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24/7 cloud account
Easy to manage 24/7 from your Cloud Account. Enjoy your adventure knowing that we’ve got your back.

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 C.

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 £250), Silver (£251 – £1500) and Gold (over £1500).

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, providing that the e-bike meets the requirements of the Road Traffic Act – www.gov.uk/electric-bike-rules

The Road Traffic Act states that the e-bike’s motor must have a maximum power output of 250 watts, is pedal assisted, restricted to 15.5mph or 25 km/h and cannot be ridden by someone under the age of 14.

I have a second-hand bike – can I still insure it?

Yes – with your Bikmo insurance policy you can insure your bike irrespective of age, brand, model, upgrades or whether you are the original owner.

You need to decide on a value against which to insure, and that’s the value you’ll pay your premium on. If you’re unsure as to the value of your bike, your local independent bike shop should be able to help you, or you could base the value on the cost of a current like-for-like equivalent model and parts.

Proof of ownership

What we look for with our policy is proof of ownership rather than proof of purchase, which can come in a number of forms.

A purchase receipt is the most obvious example of this, but we can accept a photo (with a time and date stamp), a bank statement showing the purchase, or other information relating to the ownership of the bike/item being transferred to you.

What value should I insure my bike for?

There’s no limit on new for old with every Bikmo bike insurance policy, so it doesn’t matter if the bike is 3, 5 or 10 years old, you choose the value to insure for, and you’ll pay a premium based on that value.

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.

I’m travelling with my bike – is it covered in transit?

Yes – all 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.

Check out our travel policy if you need extended cover for your travels and make sure to see which cycling activity level is required.

Bikmo Travel Insurance

Bikmo Blog

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Supporting World Bicycle Relief’s Women on Wheels

Who runs the world? Girls. Join us in empowering women with 1% For The Planet and Women on Wheels this June. The World Bicycle Relief’s (WBR) Women on Wheels campaign (May 25th – June 15th) aims to “empower more women and girls to change their world with two wheels.” We hope to enable women to…
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