British Cycling Bike Insurance
Road Cycling Mob Road Cycling Tablet

TAKE YOUR COVER
UP A GEAR

Cycle insurance to protect your passion
+ a 10% saving for British Cycling Members

Your policy benefits

Theft + vandalism

Argh, did your prized bike get stolen? It happens and that’s why we’re here, just make sure you comply with our locking requirements.

Accidental Damage

Everyone crashes, even the pros. Our policy covers you for damage to your bike so you can get back on the saddle and keep on riding.

Clothing + helmets

We know you can wear the same value as your bike cost, so we cover clothing and headgear, as standard. You just need to sort out the gravel rash…

Competition cover

You need to attack the bunch to move up a cat. We get that. That’s why we provide cover for competitions, to keep you racing for the line.

Race fee cover

Gutted to miss your competition through injury or a crash? We know how it feels. You can get up to £500 race fee cover.

365 Worldwide

Planning to take a trip to the Alps? We’ll cover your bike + kit anywhere in the world whether you’re riding or in transit. Time to squeeze another training ride in?

OUR COVER LEVELS

PROTECT
PROTECT-R

OUR COVER LEVELS

Theft & accidental damage
£250 or 10% clothing & headgear
£250 or 10% accessories
365 day worldwide cover
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

PROTECT

For members looking for all-round cover including most events.
Theft & accidental damage
£250 or 10% clothing & headgear
£250 or 10% accessories
365 day worldwide cover
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

PROTECT-R

For riders who need cover for competitive road and crit racing too.
Theft & accidental damage
£250 or 10% clothing & headgear
£250 or 10% accessories
365 day worldwide cover
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

WHY CHOOSE BIKMO

01
Quick and reliable
Making an online claim is easy. 98% of claims are approved with our underwriter Hiscox, usually within 3 days.
02
Supports local
We can replace or repair through your chosen bike shop with no claim excess. Good for you, and your local.
03
We ride too
Our sole focus is helping people ride more. Everyone here loves riding bikes too, so this comes naturally to us.
01
Quick and reliable
Making an online claim is easy. 98% of claims are approved with our underwriter Hiscox, usually within 3 days.
02
Supports local
We can replace or repair through your chosen bike shop with no claim excess. Good for you, and your local.
03
We ride too
Our sole focus is helping people ride more. Everyone here loves riding bikes too, so this comes naturally to us.

Policy documents

Here is everything you need to understand your policy

Policy wording

Policy wording

The policy wording highlights, in detail, everything that you need to know in regards to your Bikmo cycle insurance policy.
View + download

IPID

IPID

The Insurance Product Information Document covers, in brief, the key benefits and limitations of your Bikmo cycle insurance policy.
View + download
Underwritten by

Hiscox

Hiscox have over 100 years of experience in speciality risk including ocean liners and inter-planetary probes so are perfectly positioned to cover your bikes.

What our customers are saying

4.6 / 5
Independent rating based on 685 reviews.
Would recommend totally
Excellent service, good advice, knowledgeable and all my questions answered
Excellent service
I had approached Pure Electric for support with a bike I wished to buy that was on their website. Luke (Manchester store) was extremely helpful not just choosin…
Thanks for making it easy to insure my bikes
Tom explained carefully what my insurance would cover and how it overlapped with my British Cycling insurance. He helped me sort out what model my bikes were an…
Insurance made easy
Excellent and easy setup online no waffle just straight to the insurance
Dolan gxa insurance
Quick and easy to use
Good price, good servixe
Best price with the most extras included, easy to use website with clear t&cs helping me make an informed decision. Lots of helpful articles on the site….

Get in touch

If you have more questions or want to talk bikes, we’d love to hear from you.

Call us: 01244 470 551
Email us: britishcycling@bikmo.com

You can also check out our FAQs below.
bikmo online video chat

Frequently asked questions

How do I apply my British Cycling discount?

The British Cycling member discount is automatically applied to all policies purchased from the British Cycling bike insurance page.

What events do I need the PROTECT-R policy for?

A PROTECT-R policy covers you for road racing, closed circuit racing and crit/criterium racing, plus all events included in a PROTECT policy. For a full list of events click below.

Events covered
Do you offer personal accident & public liability cover?

Our British Cycling policy doesn’t include personal accident or public liability cover. As a British Cycling member you automatically benefit from this cover with a British Cycling membership.

Does everyone in my household need to be a British Cycling member?

No, only the policy holder needs an existing British Cycling membership. They can insure all the bikes in their household under one policy, regardless of other members of the household having a British Cycling membership or not.