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Bikmo Insurance FAQs
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
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
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.
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.
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