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MTB INSURANCE
DESIGNED FOR DIRT

Mountain bike insurance you can trust, designed for trail lovers and dirt fiends. Insure your MTB and kit from only £3.73/month.

Get a quote

Why choose Bikmo for your MTB insurance?

1
Designed for dirt
Comprehensive cover built by riders of the trail, including clothing, helmet and accessories. All riding types covered. Pay monthly with 0% interest.
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 dirt
Comprehensive cover built by riders of the trail, including clothing, helmet and accessories. All riding types covered. Pay monthly with 0% interest.
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
+ 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

What our customers are saying

4.6 / 5
Independent rating based on 673 reviews.
Bike insurance
Ease of use on app
First timer
My first time using their services hence the 4 star rating, easy to use the on line booking and insure my bike, the truth will be in the pudding should I need t…
Good customer service!
Good Customer service, thanks
Free initial insurance – very helpful.
It gives you peice of mind having free cover for a while while you sort out the final insurance. Very helpful….
So far so good
Set up is nice and easy though had to revert back to the Martin Lewis comparison website to see the excess explanation as i couldn’t find it in the summary. So…
Good service
Fine, no complaints

MTB Frequently Asked Questions

I see you cover custom builds, how do I value my custom built mountain bike?

Most of our riders customise their bike in some way, whether it’s a fully Hope tricked out rig or opting for stronger wheels for DH riding.

You should enter the value for the bike as it would cost to rebuild it in the event it was stolen i.e. to buy everything again. Ask your local bike shop if you need any help or give the team a call.

How to value my bike
How should I lock my bikes to the bike rack on my VW transporter?

To comply with your Bikmo MTB insurance policy your bikes need to be locked to your bike rack through the frame using an appropriately rated Sold Secure lock.

Also, consider that the time your bike is locked to the rack and left unattended is limited to 24 hours.

Check out the link below for full details.

Bikmo Locking Requirements
I’m off to ride trails in Finale Ligure – does your mountain bike insurance policy cover me?

Yes – we like adventures too, so you’re covered worldwide as standard with your Bikmo MTB policy.

Your policy also includes damage or theft to your bike whilst in transit – more time for focussing on your route.

Check out our travel policy if you need extended cover for your travels and make sure to see which cycling activity level is required.

Bikmo Travel Insurance
Am I covered for riding jumps and berms at my local MTB trail centre?

We cover any jumps, drops and berms that are on properly designated trails, such as trail centres or pump tracks.

We don’t cover ‘stunts’ however, such as building a massive kicker in some privately owned woods.

If you’re the new Danny Macaskill then you should probably give us a call.

Full MTB policy benefits
I’m planning to ride some Enduros this year – does your policy cover me?

Yes – we cover events as standard with all of our Bikmo MTB policies, including Enduros, XC and DH events. It’s only if you love tarmac too and ride criteriums, road or circuit races that you’ll need our Race policy cover.

It also includes bikes in transit areas, should your event have one.

Also check out and join our Strava Club where you can share your activities and events.

Bikmo Strava club

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