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

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 

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.

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!

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.

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!

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.