Road Cycling Road Cycling

DISCOVER A LIFE LESS ORDINARY

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

Get a quote
open project

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 354 reviews.
Easy and good value
In terms of ease of obtaining cover it was super easy. Price, on a monthly basis was also very keen. Very good experience to date….
Great service
Great service very friendly polite staff , no misleading information quick and thorough.
Excellent Deals and diverse packages
Hi the service was great to deal with and the deal was good for an annual package. Have passed the email onto several fellow bikers and they’re very much intere…
haven’t used it yet, thank god
Haven’t used it yet, thank god
Quick easy and cheap with lots of coverage
Quick easy and cheap with lots of coverage. Would deffo recommend
Tempted to desert but still loyal?
I’ve set up an auto renew but been shopping around to compare [as you’re recommended to do] + found a tenner cheaper quote / “special” offer that looks a bit le…
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.

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.

If you use a de-restrictor kit, your e-bike motor has more power as standard, or you have a button/twist & go throttle (not walk assist mode), then your insurance will be invalid and the bike comes under the Road Traffic Act, which means tax and licensing.

If you’re not sure, get in touch with the team and we’ll confirm whether your e-bike is eligible – Contact us 

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
open project

Compare cycle insurers

Transparency is core to our mission of protecting the world’s cyclists and we believe riders should have all the facts at hand when deciding which insurer to protect them and their bikes.

Bikmo vs home insurance

One of the most frequent questions asked is “What’s the difference between cycle specific insurance, to just adding a bike onto your home insurance policy?”

Bikmo Blog

Kryptonite sold secure bike d-lock

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

The first line of defence against the nightmare of bike theft is a solid and dependable bike D lock. The second line of defence is knowing how to lock your bike (properly), so thieves can’t make away with your frame and leave you with a sorry-looking wheel.  D locks (also known as U locks), come…
Read article
Advice and Tips

Should you buy an electric cargo bike in the UK? 

rwanda epic blog header
Inspiration

The Rwandan Epic

Hackney BMX 1
News

Winners Announced: British Cycling x Bikmo Club of the Year 2022