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Although some higher-end home insurance policies have the ability to cover higher value bikes and potentially accessories, in the majority of policies there are restrictions.

Many contain low ‘single item’ limits, sometimes as low as £500 and some have excesses ranging up to and exceeding £500. You’re also far more likely to claim for your bikes than your home, so you need to ask yourself – can I actually cover the cost to replace my bike, how much is my excess and how much will my home insurance go up next year if I need to claim?

Our customers choose a specific cycle insurance policy for peace of mind that there is explicit cover for their bike, clothing and accessories, and there’s no impact on their home insurance policy if they do need to make a claim.

Bikmo Cycle Insurance was designed to protect all types of bikes irrespective of age, brand, model, upgrades or whether you bought it second-hand. That includes, but is not limited to road bikes, mountain bikes, tandems, e-bikes, commuter bikes, unicycles, hand cycles, kids bikes.

You need to decide on a value against which to insure, and that’s the value you’ll pay your premium on, and the limit we’ll pay in the event of a claim.

If you’re unsure as to the value of your bike, your local independent bike shop should be able to help you, or we recommend to base the value on the cost of buying a current like-for-like equivalent model at RRP which you can Google easily.

If it’s second-hand or a custom-built bike, grab a calculator, add up the sum of all parts…and you’re good to go!

Yes – you can make as many changes and as often as you wish to the insured values/bikes on your Bikmo Cycle Insurance policy, with no fees for doing so, you just pay for the change in premium if there’s an increase. So if you’ve bought a new bike or treated yourself to a groupset upgrade, make sure your covered for the right amount.

If you’ve moved house, you can update your address too.

All of your adjustments can be made in your Bikmo Cloud account 24/7 – get in touch via our Contact page if you have any specific questions.

In 2022, our customers made more claims theft than accidental damage (57% vs 40%) so that’s why we created CLIK!

CLIK is our theft only product to suit your specific needs. You can also bolt on £2 million public liability and £20k personal accident cover too with CLIK+.

Nope. All Bikmo Road Cycle insurance policies cover you for sportives as standard, allowing you to focus on reaching the next feed station with peace of mind.

You can even activate your ‘Returning home’ cover of up to £150 if you have an incident during the sportive and your bike is damaged (GO and PLUS only).

It’s only if you ride circuit races, road races or criteriums that you need to upgrade to RACE via a PLUS policy.