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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.

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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 562 reviews.
Great value for money
Great price, well described and excellent customer experience
Great!
Friendly, knowledgeable and clear advice.
Very helpful
The process was swift and the customer service got me through the line without much hassle
Really Simple to Use & Comprehensive Cover
So far amazingly simple and easy. I don’t like online forms much but Bikmo have made it simple. My Intense Carbine 29 is now a happy bike and I’m a happy Mounta…
Very good
Cheap and easy to apply.
Bike Insurance
Pretty straightforward to get quoted for the insurance. All sorted.

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
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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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?”