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 2020No – 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
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 insuranceYes – 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.
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.
