Pure Electric Insurance

Fully charge your
e-bike insurance

Exclusive savings for Pure Electric customers
+ 14 days free insurance with new bikes

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
25% lower prices
Our research shows that e-bike riders are lower risk. We pass this saving on to you with a 25% lower premium than non-electric bikes.
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
25% lower prices
Our research shows that e-bike riders are lower risk. We pass this saving on to you with a 25% lower premium than non-electric bikes.
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 537 reviews.
on time
On schedule very good service
Great cycle insurance at a great price!
Very easy to get bike insurance through Bikmo at a very good price, especially with the discount offered to Cyclescheme users. Easy to use website with personal…
Hassle free experience
Smooth transaction
Great price great service
Young man that helped us was very sure on the products he was selling.Keep it up
Excellent 5 stars
Excellent and quick response to my questions and great cover.
Really pleased with my purchase
I’m happy to recommend this product

Get in touch

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

Call us: 01244 470 386
Email us: pureelectric@bikmo.com

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

Frequently asked questions

Can I insure my non-electric bike as well?

Yes, you can insure additional bikes from any discipline. You’ll also benefit from up to 50% multi-bike savings if you add more bikes to your policy.

Is my e-bike eligible for your insurance?

Bikmo insures lots of e-bikes. This includes MTB, road, hybrid and Brompton Electric bikes, providing that the e-bike meets the requirements of the Road Traffic Act.

Can I insure my family’s bikes on my policy?

Yes, as long as all family members are residents at the same address listed on your policy.

What happens when I claim?

If you make a claim and it’s approved, we’ll contact Pure Electric to source a replacement for you. If a replacement isn’t available, a cash settlement for the full cost of the e-bike will be paid to you.

What if someone steals the battery from my e-bike?

If your battery is stolen from your e-bike, and your bike is locked in accordance with our locking requirements, you would be eligible to make a claim for a replacement battery.