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CARGO BIKE INSURANCE
BUILT TO HAUL

Cargo bike insurance you can trust, designed for commuting, families and cargo lovers. Insure your cargo bike and kit from only £3.73/month.

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Why choose Bikmo for your cargo bike insurance?

1
Built to haul
Comprehensive cover for cargo bike riders, including your accessories and clothing. All riding types covered. Pay monthly with 0% interest.
2
Super Simple
2 minutes to purchase and 24/7 access to your cloud account to make adjustments for new bikes, upgrades, claims and profile updates.
3
Built by riders
We’re committed to protecting the worlds’ riders. Every time you pick up the phone, drop us a message or see us at an event you’ll speak to people who ride.
1
Built to haul
Comprehensive cover for cargo bike riders, including your accessories and clothing. All riding types covered. Pay monthly with 0% interest.
2
Super Simple
2 minutes to purchase and 24/7 access to your cloud account to make adjustments for new bikes, upgrades, claims and profile updates.
3
Built by riders
We’re committed to protecting the worlds’ riders. Every time you pick up the phone, drop us a message or see us at an event you’ll speak to people who ride.

OUR COVER LEVELS

GO
PLUS
RACE

OUR COVER LEVELS

Theft & accidental damage
£250 or 10% clothing & headgear
£250 or 10% accessories
365 day worldwide cover
£100k legal expenses cover
£2 million public liability
£20k personal accident
£5,000 medical expenses
£2,500 counselling expenses
£1,000 dental injury
£500 optical injury
Road, criterium & circuit racing
Race fee cover
50% multi-bike discount
£500 or 10% bike box cover
£150 Returning home cover
£500 Alternative cycle hire
Sportive cover
Family & friends
New-for-old
Excess-free Bikmo replacement option
24/7 cycle hangar parking
Vandalism
0% interest monthly payments
Business Use
+ VIEW ALL BENEFITS

GO

For riders looking to cover the essentials.
Theft & accidental damage
£250 or 10% clothing & headgear
£250 or 10% accessories
365 day worldwide cover
£100k legal expenses cover
£2 million public liability
£20k personal accident
£5,000 medical expenses
£2,500 counselling expenses
£1,000 dental injury
£500 optical injury
Road, criterium & circuit racing
Race fee cover
£250
50% multi-bike discount
£500 or 10% bike box cover
£150 Returning home cover
£500 Alternative cycle hire
Sportive cover
Family & friends
New-for-old
Excess-free Bikmo replacement option
24/7 cycle hangar parking
Vandalism
0% interest monthly payments
Business Use
Optional
+ VIEW ALL BENEFITS

PLUS

For riders wanting personal cover, as well as for their bikes.
Theft & accidental damage
£250 or 10% clothing & headgear
£250 or 10% accessories
365 day worldwide cover
£100k legal expenses cover
£2 million public liability
£20k personal accident
£5,000 medical expenses
£2,500 counselling expenses
£1,000 dental injury
£500 optical injury
Road, criterium & circuit racing
Race fee cover
£500
50% multi-bike discount
£500 or 10% bike box cover
£150 Returning home cover
£500 Alternative cycle hire
Sportive cover
Family & friends
New-for-old
Excess-free Bikmo replacement option
24/7 cycle hangar parking
Vandalism
0% interest monthly payments
Business Use
Optional
+ VIEW ALL BENEFITS

RACE

For riders who race tarmac too; cover for road and crit racers.
Theft & accidental damage
£250 or 10% clothing & headgear
£250 or 10% accessories
365 day worldwide cover
£100k legal expenses cover
£2 million public liability
£20k personal accident
£5,000 medical expenses
£2,500 counselling expenses
£1,000 dental injury
£500 optical injury
Road, criterium & circuit racing
Race fee cover
£1000
50% multi-bike discount
£500 or 10% bike box cover
£150 Returning home cover
£500 Alternative cycle hire
Sportive cover
Family & friends
New-for-old
Excess-free Bikmo replacement option
24/7 cycle hangar parking
Vandalism
0% interest monthly payments
Business Use
Optional
+ VIEW ALL BENEFITS

What our customers are saying

4.6 / 5
Independent rating based on 283 reviews.
Brilliant Service
Tom was brilliant , worked out the most cost effective deal for me moving and my new requirements. I’ve had crash payouts from Bikmo and it’s all gone smoot…
Thanks for the patience and support.
I would like to say thank you for the support during these initial months. Obviously the bikimo team are unaware of the custeomrs personal environment at the t…
Good service
Good service and nice staff
Good value, great service
It was so easy to arrange and was excellent value for money.
Clear information
Straight forward information
Excellent product heavy to use but feeling of safety. Easy to use and comes
Well designed for use and storage on bike. Strong and heavy but gives good feeling of safety.

Cargo Bike Insurance FAQs

I ride carefully, do I have to have cover for accidental damage?

Yes – all of our Electric Cargo Bike and Cycle Insurance policies cover accidental damage as standard. That includes accidental damage whilst riding, if someone else causes you to have an accident or even if you damage your bike during transit.

In 2020, our customers made more claims for accidental damage than theft. It’s often overlooked as a benefit, as we’re more aware of theft stories in the media.

We don’t currently offer any Bikmo cycle insurance policies without accidental damage cover, as we feel this is one of the main risks of bike ownership and a key benefit of our cover.

Check out our Open Project 2020
My e-cargo bike has more than a 250w motor or a throttle, will you still insure it?

No – with our electric cargo bike insurance policy, we can only cover pedal-assisted electric bikes that have a maximum power output of 250 watts, are 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 – www.gov.uk/electric-bike-rules

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

How do you compare against other insurers?

We recently ran some competitor analysis and on a combination of cover, price and rating we’re almost unbeatable.

But don’t take our work for it, check out our comparison table and read where we excel.

Compare cycle insurance
Can I change my insured values if I upgrade my bike or buy a new one?

Yes – you can make as many changes and as often as you wish to the insured values/bikes on your Bikmo Cycle Insurance policy, with no fees for doing so, you just pay for the change in premium if there’s an increase. So if you’ve bought a new bike or treated yourself to an upgrade, make sure your covered for the right amount.

If you’ve moved house, you can update your address too.

All of your adjustments can be made in your Bikmo Cloud account 24/7 – get in touch via our Contact page if you have any specific questions.

Is my cargo bike covered for Business Use?

All policies provide cover for commuting to and from your usual places of work.

If you have chosen to include Business Use, and this is shown on your Policy Schedule, then you are covered for using your cargo bike to travel to appointments and meetings in relation to your work.

This does not provide cover for other trade or business purposes, deliveries, hire or reward, courier services, food delivery, or the carriage of fare-paying passengers.

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?”

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