Ready-to-ride
cycle insurance
Award-winning insurance for your bikes + kit
+ exclusive saving for Cyclescheme customers
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…
Accessories
Gadget geek? We cover bike accessories as standard, so your Garmin, lights, power meter are included. Battery life and performance not included. Limits apply.
£2m Public liability
On the commute, club run or sportive, if you’re at fault when out riding and things go wrong, Bikmo is here for you up to the value of £2 million + defence costs too. Still, we recommend staying upright.
Personal accident
Even the best and most careful riders can crash. Our personal accident cover will pay out £20k for life-changing injuries, and up to £1.5k for optical and dental injuries sustained whilst riding your bike.
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
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
Independent rating based on 311 reviews.
Get in touch
If you have more questions or want to talk bikes, we’d love to hear from you.
Call us: 01244 470 662
Email us: cyclescheme@bikmo.com
You can also check out our FAQs below.
Call us: 01244 470 662
Email us: cyclescheme@bikmo.com
You can also check out our FAQs below.
Frequently asked questions
Can I insure my bike while I’m still paying my employer back?
Yes, you can insure your bike while you’re paying your employer back. If you’re insured and your bike gets stolen or damaged beyond repair, you will receive a replacement bike or a cash settlement. Meaning you won’t have to worry about paying for a bike you can’t ride.
How do I benefit from the 14 days free insurance?
You need to activate your 14 days free cover within 7 days of receiving your bike. You should have received an email from Cyclescheme to activate your free cover when you purchased your bike. If you haven’t received this email, please contact our customer service team. You can find our contact details on this page.
Can I insure another bike which was not purchased through Cyclescheme?
Yes, you can insure any additional bikes, regardless of discipline. You’ll also benefit from a 50% discount for each additional bike you insure
Will I still owe my employer if my bike is stolen?
Yes, however, if you’re insured with us and your claim is approved, we’ll find a replacement for you so you don’t have to worry about paying for a bike you can’t ride.
