Cycle insurance
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DISCOVER A LIFE LESS ORDINARY

Cycle insurance you can trust whether you ride trails, tarmac or towns. Sportive, kit and accessory cover as standard. Comprehensive cover from £3.73/month.

Why choose Bikmo for your Cycle Insurance?

3 reasons to try us out.
1
Home insurance can suck.
High excesses, limited coverage; insurers that do everything don’t specialise in one thing. We do – protecting you and your bikes. Trust the team at Bikmo to go the extra mile.
2
It’s ultra-simple.
Take out a policy in 2 minutes, access your cloud account 24/7 and do it all from your mobile. In short, we make managing your policy simple so you can concentrate on riding.
3
We’ve got your back.
100% of the team are bike geeks and we get it. We settled over 98% of claims in 2020 and every time you pick up the phone or send us an email, you’ll get someone who loves bikes as much as you.
1
Home insurance can suck.
High excesses, limited coverage; insurers that do everything don’t specialise in one thing. We do – protecting you and your bikes. Trust the team at Bikmo to go the extra mile.
2
It’s ultra-simple.
Take out a policy in 2 minutes, access your cloud account 24/7 and do it all from your mobile. In short, we make managing your policy simple so you can concentrate on riding.
3
We’ve got your back.
100% of the team are bike geeks and we get it. We settled over 98% of claims in 2020 and every time you pick up the phone or send us an email, you’ll get someone who loves bikes as much as you.

What our customers are saying

4.6 / 5
Independent rating based on 670 reviews.
Great value
Great service and value for money
Very good
Good and quick to set up
Genuinely amazed at the speed of service.
The website was clear and informative, which helped our decision to buy two bike locks. Only downside was I had to have a bright colour because the black in lar…
Very helpful all personal that I spoke to was patient polite professional
Excellent very patient with me
Good quality cover at a reasonable price.
Easy to follow instructions and good comprehensive cover at a reasonable price.
New to bike insurance.
Was looking for bike insurance and Bikmo fitted the bill. Easy to understand and value for money.

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
+ 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
+ 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
+ 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
+ VIEW ALL BENEFITS
HOW IT WORKS

IT’S AS EASY AS PIE

Find the right cover for you
Explore our products, find the right cover and get a quote in seconds. Get in touch with our bike geeks if you have a question.
Take out a policy
Once you’re set, check your quote in seconds and take out a policy in minutes. Insurance made easy.
Enjoy your adventure
Simple to manage from your Cloud Account 24/7. Get out on a ride knowing that we’ve got your back.
Find the right cover for you
Explore our products, find the right cover and get a quote in seconds. Get in touch with our bike geeks if you have a question.
Take out a policy
Once you’re set, check your quote in seconds and take out a policy in minutes. Insurance made easy.
?
Enjoy your adventure
Simple to manage from your Cloud Account 24/7. Get out on a ride knowing that we’ve got your back.

Cycle Insurance FAQs

Are my bike, clothing and accessories covered under my home insurance?

Although some higher-end home insurance policies have the ability to cover higher value bikes and potentially accessories, in the majority of policies there are restrictions.

Many contain low ‘single item’ limits, sometimes as low as £500 and some have excesses ranging up to and exceeding £500. You’re also far more likely to claim for your bikes than your home, so you need to ask yourself – can I actually cover the cost to replace my bike, how much is my excess and how much will my home insurance go up next year if I need to claim?

Our customers choose a specific cycle insurance policy for peace of mind that there is explicit cover for their bike, clothing and accessories, and there’s no impact on their home insurance policy if they do need to make a claim.

Home vs Cycle Insurance
What types of bikes do you cover and how do I value them?

Bikmo Cycle Insurance was designed to protect all types of bikes irrespective of age, brand, model, upgrades or whether you bought it second-hand. That includes, but is not limited to road bikes, mountain bikes, tandems, e-bikes, commuter bikes, unicycles, hand cycles, kids bikes.

You need to decide on a value against which to insure, and that’s the value you’ll pay your premium on, and the limit we’ll pay in the event of a claim.

If you’re unsure as to the value of your bike, your local independent bike shop should be able to help you, or we recommend to base the value on the cost of buying a current like-for-like equivalent model at RRP which you can Google easily.

If it’s second-hand or a custom-built bike, grab a calculator, add up the sum of all parts…and you’re good to go!

Read about how to value your bikes
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 a groupset 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.

I only want insurance for theft, can I reduce the cover of the policy?

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 than Joe Bloggs slipping on a greasy corner on his morning commute.

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
I’m riding a sportive in the Lake District – do I need extra cover?

Nope. All Bikmo Road Cycle insurance policies cover you for sportives as standard, allowing you to focus on reaching the next feed station with peace of mind.

You can even activate your ‘Returning home’ cover of up to £150 if you have an incident during the sportive and your bike is damaged.

It’s only if you ride circuit races, road races or criteriums that you need our RACE policy.