CoverFit

Introducing CoverFit

CoverFit is Bikmo’s groundbreaking insurance fitting service engineered exclusively for bike shops.

Speak to Ben, our expert advisor, and he’ll guide you through the increasingly mystical components of a high-performance policy, all aimed towards providing you with a personalised insurance proposal designed around your business.

Powered by brains and experience, not computers and algorithms.

How it works

1
Book your slot
Complete our simple CoverFit booking form here. There are a few optional questions and requests that will help us prepare for, and speed up step 2.
2
Speak to Ben
Your CoverFit consultation with Ben will last for up to 1 hour. This will either be on a video call or in-person.
3
Get your quote
Using the information you provided, we will create and share your insurance proposal and quote for cover, usually within 48h.
1
Book your slot
Complete our simple CoverFit booking form here. There are a few optional questions and requests that will help us prepare for, and speed up step 2.
2
Speak to Ben
Your CoverFit consultation with Ben will last for up to 1 hour. This will either be on a video call or in-person.
3
Get your quote
Using the information you provided, we will create and share your insurance proposal and quote for cover, usually within 48h.

CoverFit FAQs

Can you tell me more about the CoverFit process?

Yes! CoverFit starts with a personal online or in-person consultation with our specialist cycling business insurance expert, Ben. The call will last up to 1 hour, and you can choose a time that suits you.

Ben will ask you some questions to help him understand your business, and fit your cover and quote to your business activities and identified risks. You will also receive advice on how you can reduce your risk and support to build a solution that you can trust – one that packs a punch without breaking the bank.

Within 48 hours* of your CoverFit consultation, you will be sent an email with your personalised proposal.

That’s it! If you accept the quote, Ben will get your cover setup and be on-hand for any questions or support needed along the way including changes you might need to make to your policy mid-term.

* we will usually be quicker, but sometimes we may need more information or to speak to our underwriters so occasionally it might take a little longer.

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Why CoverFit?

A bike is made up of dozens of parts and components. For the best experience, these should be matched to you and your riding preferences.

Business insurance is no different. A bike shop insurance policy is made up of many different elements, and your cover levels and requirements will vary depending on factors unique to your business.

Our bike shop insurance expert, Ben, will guide you through the process of fitting your cover to your business and risks to make sure you have the right protection, and maximum confidence to focus on driving your business forward.

CoverFit is our commitment to learn as much about your business as we need to be able to assure our customers that they have the best fitting insurance available from us. It’s an invaluable opportunity for bike shops to get on top of their insurances – you can’t underestimate the importance of the right cover, one unexpected day your insurance could be your business’ lifeline.

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Who is CoverFit for?

Our CoverFit service is for all cycling retailers, from large multi-stores to small independents. 

The service is designed for people who want absolute assurance that their insurance is up to the job, and compatible with the activities and risks that you and your business are exposed to.

Although our CoverFit journey will be as quick and efficient as possible, if you’re looking to click and buy today then you should look elsewhere!

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Why bother when I can buy insurance in seconds online?

Technology and AI is changing how we buy everything. Insurance is no exception, with the traditional broker increasingly being replaced by huge price comparison engines and algorithms because that’s a cheaper way to sell insurance.

For commoditised insurance like car and home, this is a great solution – fast and efficient. There is very little variance in the risks we face, and activities carried out when driving and living in our houses.

However, for specialist business insurance like our bike shop policy, we believe humans still need to be in the driving seat to take on the responsibility of recommending the best-fit insurance for that business.

We are not against tech – in fact we love it! You can buy our cycle insurance in seconds, manage your insured kit list and make claims online 24/7.

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What are the CoverFit components?

The rider (that’s you & your bike shop) is central to the CoverFit process, once we’ve measured you up can we offer tailored advice on the most suitable cover components for you.

The Essentials (Frame)

Explaining the high quality Hiscox-underwritten core to every policy

Your Assets (Gears & Drivechain)

Looking after all the valuable gear driving your bike shop’s success

Business Interruption (Wheels)

Keeping your business moving when faced with challenging terrain

Your Liability (Helmet)

Ensuring your critical protection won’t let you down the first time you actually come to rely on it

Professional Indemnity (Mudguard)

Sheltering you from the damage if your professional expertise are brought into question

Legal Expenses (Toolkit)

Equipping you to tackle a legal issue that threatens to destabilise the business

Transit/Cargo (Crankset)

Assisting with the smooth management of risk as goods flow from supplier to shop to customer

Your Contribution (Suspension)

Assessing how much risk your bike shop can afford to self-manage

Directors’ Liability (Saddle)

Making sure that you can sit comfortably in your heavy duty position

Cyber Risks (Lights)

Shining a light on the very real cyber threat to your bike shop

Improving your security (Lock)

Gold standard advice on how to combat the physical threat to your goods

Navigating risk (Handlebars)

Guiding you through top ways to keep liability incidents under control

Your CoverFit advisor

Ben has been helping businesses of all sizes put in place the right insurance for years. He joined Bikmo in 2021, and is now 100% focussed on insurance for bike shops and the cycling sector.