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OFFICIAL HAIBIKE BIKE INSURANCE

CYCLE INSURANCE TO PROTECT YOUR GHOST

12 months for the price of 11 for Ghost users

+ 30 days free insurance on new bikes

50% discount on additional bikes | 25% e-bike discount

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As featured in

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Protect your ride

Specialist cycle insurance for cyclists, built by cyclists – whether it’s road bike, mountain bike, e-bike or city bike, we’ve got your back.
1
No fussu003cbru003eNo small print
You’re covered for the value you’ve insured it for without depreciation + get equipment insured at £250 / 10% of insured value and fast claims settlement.
2
No hidden costs
One transparent price. No admin fees, and a 50% discount on additional bikes. Fair coverage for a fair price.
3
No penalties when you claim
No price increases or penalties when you claim, and plenty of coverage away from home, unlike bikes insured on home insurance.
1
No fussu003cbru003eNo small print
You’re covered for the value you’ve insured it for without depreciation + get equipment insured at £250 / 10% of insured value and fast claims settlement.
2
No hidden costs
One transparent price. No admin fees, and a 50% discount on additional bikes. Fair coverage for a fair price.
3
No penalties when you claim
No price increases or penalties when you claim, and plenty of coverage away from home, unlike bikes insured on home insurance.

Choose a product that suits your ride

Insure with us to get 12 months for the price of 11, a 25% discount on electric bikes, and a 50% discount on lower value additional bikes added to your policy.
Read our full policy benefits
CLIK
Theft only. Excludes damage. Optional personal cover upgrades available.
  • Theft only
  • Accessory and kit insurance
  • £250k legal expenses cover
  • 365 worldwide cover
  • Accidental damage
  • Public liability, medical + dental
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PLUS
Full protection for you, your bike and the peopler around you
  • Theft, accidental damage + vandalism
  • Medical, dental + optical
  • £25k personal accident
  • £2m public liability insurance
  • + everything available with GO and CLIK cover
Quick quote
GO
Theft and damage. Excludes personal covers.
  • Theft, accidental damage + vandalism
  • Accessory and kit insurance
  • £250k legal expenses cover
  • 365 worldwide cover
  • Public liability insurance
  • Medical, dental + optical
Quick quote
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Always inclusive

With Bikmo cycle insurance your bike is comprehensively protected!
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Equipment included

We know you can wear the same value as your bike cost, which is why we also insure your kit, accessories and wearables* as part of your insurance. u2028u2028Maximum values apply
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Returning Home Cover

Snapped frame? Stolen wheel? Miles from the nearest station? We’ll cover your taxi fees if the worst happens when you’re out on a ride.
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Bike Insurance abroad and in transit

Pothole damaged your forks? Derailleur damaged on the plane? We insure your bike wherever you are in the world. Plus, we’ll cover hire bike fees if you need a replacement.
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50% multi-bike discount

Insure all the bikes in your garage with a 50% discount when insuring multiple bikes, with the lowest value bikes benefitting from the discount. Bikmo insures the bike, not the rider, so you can insure permanent members of your household on the same policy.

What our customers are saying

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Independent rating based on reviews.
Full marks
First class-Tom knows his stuff-helpful and knowledgeable and good to talk too
Bikmo customer
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1 year ago
New Road Bike Insurance
When I had queries about taking out new bike insurance, the customer helpdesk were exceptionally friendly and knowledgeable….
Bikmo customer
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1 year ago
Bikmo insurance
A lengthy process to insure our bikes but the information was clear and we were able to ask the Bikmo team to confirm that our locks meet their standards…
G Chambers
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1 year ago
Free 2-week trial of bicycle insurance cover
A 2 week free trial bicycle insurance, received with my Cyclescheme purchase. Since it was free, there is little to quibble about. No need to provide any paymen…
Bikmo customer
–
1 year ago
Happy customer
It was very quick and easy to set up my insurance online. I had a few questions and rang Bikmo. All my queries were answered by the member of staff. I felt re…
Bikmo customer
–
1 year ago
Free 2 week bicycle insurance, nothing more
Took out free 2 week bicycle insurance for new bike while i priced up other providers. A couple of cycling club members have had issues when claiming with Bi…
Bikmo customer
–
1 year ago
See more reviews

What is bicycle insurance?

Cycle insurance provides extensive coverage designed specifically for cyclists. It safeguards against theft, accidental damage, and vandalism ensuring both you and your bike are protected whether at home or on the move.

Additional benefits include clothing and accessory coverage, event fee reimbursement, and personal accident support, providing financial security in case of injury.

women riding bike
All Riders

Who’s it for?

Whether you are a family of leisure cyclists or competing regularly, cycle insurance is for anyone who wants to protect their ride. We cover everything from road bikes through to gravel or electric cargo bikes. No matter brand, age and upgrade – Bikmo cycle insurance has you covered.
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female commuter with child
Pricing

What does it cost?

Bicycle insurance costs depend on the value of your bike/s. Our cover starts from £3.73 a month. If you have more than one bike at your address, you can also add it to the same policy and benefit from our multi-bike discount. That means 50% off additional bikes, taking your highest value bike at full price.
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Frequently asked questions

How do I apply my discount for a Ghost bike?

Yes, you get a 12 months for the price off 11 when you insure your Ghost, Haibike, Lapierre and/or Raleigh bikes with Bikmo. This is automatically applied.*Minimum premium applies.

What is classed as an e-bike?

Our electric bike insurance policy, we can only cover u003cstrongu003epedal-assistedu003c/strongu003e electric bikes that u003cspan data-sheets-value=u0022{u0026quot;1u0026quot;:2,u0026quot;2u0026quot;:u0026quot;Yes, we do insure electric bikes. This includes MTB, road, hybrid and Brompton Electric bikes, providing that the e-bike meets the requirements of the Road Traffic Act.u005cnu005cnThe Road Traffic Act states that the E-bike’s motor must have a maximum power output of 250 watts, is pedal assisted, restricted to 15.5mph or 25 km/h and cannot be ridden by someone under the age of 14.u0026quot;}u0022 data-sheets-userformat=u0022{u0026quot;2u0026quot;:899,u0026quot;3u0026quot;:{u0026quot;1u0026quot;:0},u0026quot;4u0026quot;:{u0026quot;1u0026quot;:2,u0026quot;2u0026quot;:12050893},u0026quot;10u0026quot;:0,u0026quot;11u0026quot;:4,u0026quot;12u0026quot;:0}u0022u003ehave a maximum power output of u003cstrongu003e250 wattsu003c/strongu003e, are restricted to u003cstrongu003e15.5mphu003c/strongu003e or 25 km/h and cannot be ridden by someone under the age of 14.u003c/spanu003ernrnIf you use a de-restrictor kit, your e-bike motor has more power as standard, or you have a button/twist u0026amp; go throttle (not walk assist mode), then your insurance will be invalid and the bike comes under the Road Traffic Act, which means tax and licensing – u003ca href=u0022https://www.gov.uk/electric-bike-rules?ref=SISTERSINTHEWILDu0022 target=u0022_blanku0022 rel=u0022noopeneru0022u003ewww.gov.uk/electric-bike-rulesu003c/au003ernrnu003cspan data-sheets-value=u0022{u0026quot;1u0026quot;:2,u0026quot;2u0026quot;:u0026quot;Yes, we do insure electric bikes. This includes MTB, road, hybrid and Brompton Electric bikes, providing that the e-bike meets the requirements of the Road Traffic Act.u005cnu005cnThe Road Traffic Act states that the E-bike’s motor must have a maximum power output of 250 watts, is pedal assisted, restricted to 15.5mph or 25 km/h and cannot be ridden by someone under the age of 14.u0026quot;}u0022 data-sheets-userformat=u0022{u0026quot;2u0026quot;:899,u0026quot;3u0026quot;:{u0026quot;1u0026quot;:0},u0026quot;4u0026quot;:{u0026quot;1u0026quot;:2,u0026quot;2u0026quot;:12050893},u0026quot;10u0026quot;:0,u0026quot;11u0026quot;:4,u0026quot;12u0026quot;:0}u0022u003eIf you’re not sure, get in touch with the team and we’ll confirm whether your e-bike is eligible – u003ca href=u0022https://bikmo.com/uk/about-bikmo/contact/?ref=SISTERSINTHEWILDu0022 target=u0022_blanku0022 rel=u0022noopeneru0022u003eContact usu003c/au003e u003c/spanu003e

Can I insure another bike which is not a Ghost bike?

Yes, you can insure additional bikes from any discipline. You’ll also benefit from a 50% saving on each additional bike insured, regardless if it’s yours, a family members or friend – they just need to be a registered member of the same household as you are on your policy.

How should I lock my bike?

Always lock your bike through the frame to an immovable object with a Gold or Diamond Sold Secure rated lock. Ensure the lock follows our locking requirements.

Locking requirements
How will you replace my Ghost bike if I make an insurance claim?

If you make a claim and it’s approved, we can arrange your replacement directly with Ghost. If a replacement isn’t available, a cash settlement for the full cost of the bike will be sent to you.

BIKMO’S #RIDECREW

Riders who champion our mission and values.
@maddy_nutt
@harry.p.johnson
Imogen Cotter
@imogencotter
Gowaan Girls
@gowaan_mtb
Sam Wilson
@thescottishcyclist
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Why choose Bikmo for your cycle insurance?

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Sustainability commitment

Our B Corp certification underscores our dedication to sustainability and social responsibility, as we strive to balance profit with the well-being of our customers, team, and the planet. We are also a 1% For The Planet member, meaning 1% of our revenue goes back to causes such as Trash Free Trails and World Bicycle Relief.
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25% off E-bikes

With Bikmo, riders get 25% off our bicycle insurance! Our research showed that e-bike riders are safer than non electric bike riders so our discount reflects this. This reduction highlights our commitment to tailored insurance for the growing e-bike market. Minimum premium £3.73/mth applies.
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50% off additional bikes

Ride more than one bike or want to insure your family’s bikes too? As long as they are all under the same household, you’ll benefit from 50% off additional bikes added (discount not applied to the highest value bike). Minimum premium £3.73/mth applies.
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UK based support

We understand that cycling is more than just a hobby—it’s a passion, a lifestyle, and sometimes even a lifeline. That’s why our UK-based support team is made up of dedicated cyclists just like you. We don’t just provide cycle insurance; we live and breathe the cycling world. So when you reach out to us you’re connecting with fellow riders who genuinely understand your needs.