Electric Bike Insurance - Julia - Mobile Electric Bike Insurance - Julia - Tablet Electric Bike Insurance - Julia

E-BIKE INSURANCE
FOR POWERED RIDERS

Electric bike insurance designed for all powered riders whether you ride MTB, road, commute or cargo bikes. From £3.73/mth.

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Why choose Bikmo for your e-Bike insurance?

1
Designed for power
25% discount* over non e-bikes. Comprehensive cover including your accessories, clothing and helmet. All riding types covered. *Minimum premium applies.
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
Designed for power
25% discount* over non e-bikes. Comprehensive cover including your accessories, clothing and helmet. All riding types covered. *Minimum premium applies.
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

4.5 / 5
Independent rating based on 299 reviews.
Very quick reply. Good service
Very quick to reply, Good service.
A flexibility of an instant cover
The option of the trial insurance period offers not only a convenience of the arrangement, but foremost the comfort of the immediate enjoyment of the purchase m…
Clear & easy to sign up
Eay to sign up, clear details of cover and any restrictions
Immediately helpful – no faff!
I wish I could remember the person’s name – they were so helpful, lovely, and immediately helpful. No faff!…
Excellent
Comprehensive level of insurance cover for my new E bike with affordable monthly payments
Quick to setup
It’s quick and easy to setup hopefully I will never need to use it

Electric Bike Insurance FAQs

My e-bike has more than a 250w motor or a throttle, will you still insure it?

No – with our electric 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) that isn’t type approved, 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 

Are my e-bike’s battery and motor covered by the policy?

Yes and no – you are covered for damage sustained to your electrical drive train during an incident with your Bikmo Electric bike policy, including the battery, motor, gearbox and control system, in addition to theft and vandalism.

However, we don’t cover system faults resulting from electrical or mechanical failure which is not linked to an incident. These types of failures should be covered by a manufacturer’s warranty for a given period of time, normally a minimum of 12 months.

We recommend speaking with your retailer or the manufacturer directly to discuss warranty coverage, the potential for extended warranty and the extent of the coverage.

I plan on using my e-bike abroad on holiday, am I covered?

Yes – your Bikmo e-bike Insurance policy cover includes worldwide cover, 365 days a year. That even includes theft or damage whilst you’re travelling and your bike is in transit.

If an airline trashes your bike before you get there, you’ve peace of mind with our alternative cycle hire benefit too.

You don’t even need to let us know, just go ahead and enjoy your break!

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

Yes – all of our Electric 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 e-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 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.

Bikmo claims Open Project 2020
I ride an electric mountain bike – can I get insured?

Yes – our Electric Bike insurance policy includes e-bikes of all disciplines, so you’re covered whether you ride trails, park, gravel or for your commute.

We even include events as standard with all policies so you’re covered if you choose to enter an e-mtb enduro. Just make sure it’s fully charged before you head for the great outdoors as they’re hard to pedal when the battery dies!

Full e-bike policy benefits
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.

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open project

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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?”