Cycle Insurance

Policy Benefits

Cover for your bikes

Comprehensive cover for all levels of riders from beginner to when n+1 gets out of hand


No one wants their prized custom build or commuter bike to be stolen. It happens though, and that’s why we’re here. Just make sure you comply with our locking requirements, it’s the main reason for a claim to unfortunately be declined.

Accidental Damage

Take a tumble on a gnarly downhill, or a bend too quickly on a damp road! Everyone crashes, even the pros. Our policy covers you for accidental damage to your bike and components, so you can get back up and keep on riding.

New for old

Your bike may be a few years old now, or maybe just built and ready for its maiden voyage. We don’t depreciate bikes of any age. You’re covered for the value you’ve insured it for, even that vintage Stumpjumper in the garage. Just insure it for the cost to replace it with a current model or build (don’t forget your pedals), and you’ll have enough cover should the worst happen.

365 worldwide

Planning to take a trip to the Alps? we wish we were coming too! Whether you’re exploring, racing, or in transit with the airline, you’ll have the same level of cover for you and your bike as you do in the UK. *Public liability cover with PLUS and RACE policies excludes USA & Canada.


Seems unlikely, but if anyone gets a touch of the green-eyed monster and damages your pride and joy, we’ll cover you for that too.

50% multi-bike discount

How many bikes should you own… n+1? Correct. So we offer a 50% discount on all but your highest value bike, which means you don’t need a separate policy for each.

Family + friends

If you dare let your pride and joy out with a family member or friend who lives with you, then the policy covers them too. Simple. For visiting friends, you’ve peace of mind that your bike is covered while they ride it.

24/7 ‘cycle hangar’ parking

Free up space in your home by using an on-street ‘cycle hangar’, and we’ll cover your bikes 24/7. Lock it through the frame to the rack inside, with an approved lock, and you’re good to go.

Alternative cycle hire

Airline trashes your bike on route to the Etape or you take a spill exploring foreign roads; if your bike’s damaged or stolen, we’ll cover a temporary hire bike up to £500 or the cost of your claim (whichever is lesser), so you can focus on your tan lines. Phew!

Cover for your kit

We know you can wear as much value as the bike you ride so we include a lot of kit related benefits as standard

Clothing + Headgear

Looking the part, protecting yourself for trails, or being fully kitted for your Triathlon, doesn’t come cheap, so our policies include cover for your clothing and headgear against accidental damage and theft. You get a minimum of £250, or 10% of your total insured bike value, as standard. So if your bikes are worth £4000, that’s £400 of cover!


Gadget geek? We cover accessories attached to your bike as standard, so items like your Garmin, lights and panniers are included. You get a minimum of £250, or 10% of your total insured bike value, as standard. So if your bikes are worth £5000, that’s £500 of cover! *Battery life and electronic malfunction not included.

Bike box cover

Bike adventurers need to protect their ride. If your bike box is damaged or stolen at the same time as your bike, you get £500 minimum bike box cover included with your Bikmo policy, or 10% of your total insured bike value, if that’s greater. So if your bikes are worth £8000, that’s £800 of cover! Go explore!

Cover for you

Our mission is to enable you to ride more so you need to be protected. Most covers are only available with our PLUS and RACE policies

£2m public liability

We all ride with care, but if you accidentally damage property or injure someone whilst riding, Bikmo is here for you up to the value of £2 million + defence costs too. Still, we recommend staying upright. PLUS and RACE policies only.

£20k personal accident cover

Even experienced riders crash. Our personal accident cover will pay out £20k for life-changing injuries or death, sustained whilst riding your bike. Road rash heals quickly; loss of limb, sight, speech, hearing or disablement may need extra support, and that’s what we’re here for. PLUS and RACE policies only.

£5,000 medical expenses

Financial support for any medical expenses required to get you back on your bike after a life-changing personal accident injury. PLUS and RACE policies only.

£2,500 counselling expenses

Support for any counselling required after a life-changing personal accident injury. PLUS and RACE policies only.

£1,000 dental injury

Take a tumble in the dirt or faceplant the tarmac, we provide cover for dental injuries sustained during a bike related incident. PLUS and RACE policies only.

£500 optical injury

Support for optical injuries sustained during a bike related incident. PLUS and RACE policies only.

£250k legal expenses

UK customers get £250k legal expenses cover with a Bikmo policy, for legal costs to help recover uninsured losses where a 3rd party is at fault. This is a free companion cover, underwritten by ARAG. Excludes the Channel Islands & Isle of Man.

Returning home cover

Call the broom wagon! If you’re out riding or on your commute, and suffer from accidental damage or theft, we’ll cover the cost of your transport home up to £150.

Event + race cover

Whether you’re trying your first sportive, aiming for a triathlon PB, hit the DH scene or race crits, there’s an option for you

Sportive/gran fondo/audax cover

The most popular types of rides from beginner to expert are covered as standard with all our policies.

Road, criterium + circuit racing

You’ll need our RACE policy for these. If your race is on road with bunch starts and ranked results or prizes, our RACE policy provides full cover, so you can focus on the finish line.

MTB + gravel cover

Prefer the mud and trails over tarmac? No problem. All off-road MTB, cyclo-cross and gravel events and races are covered as standard on all our policies.

Triathlon cover

If just the bike isn’t enough and you run and swim too, then we cover triathlon and duathlon as standard with all policies, including wetsuits and transition area theft cover.

Time Trials + other races

With so many disciplines, we can’t list them all. So whether it’s a local club TT, a BMX meet or track league at the velodrome, provided it’s not a road race, circuit race or crit, you’ll be covered on all our policies.

Race fee cover

Gutted to miss your competition through injury or a crash? We know how it feels. We cover all types of races, with £250 for GO policies, £500 for PLUS policies and £1000 with our RACE policy.

Other key benefits

Built for you – here are the extras you get as standard with Bikmo that you don’t pay any extra for.

Excess-free claims option

We love local. That’s why we offer excess-free claims, through our local retailer network. If your claim’s below £400 or settled as cash, there’s an excess of £40 or 10% of the claim value, whichever is greater.

24/7 Cloud account

You’re in control. Make changes to your bike values, access claims and benefits 24/7 with your Bikmo Cloud Account. Even works on the trail through your smartphone.

0% monthly payments

We won’t charge you to split your payments across the year, so maybe a new wheelset is in order? Lighter, faster and all that.

Bike geekline

We provide service as fast as we ride. Every team member at Bikmo is a bike geek and we only do cycle insurance. Contact Keith and his team for a personal, bike-only chat!

Business Use

Add our Business Use option to stay covered when riding to your work meetings and appointments? This does not cover use of your bike for your trade eg. courier services.