Essential cycling Ultimate cycling
Saddle Skedaddle Insurance

DISCOVER
A TRIP LESS ORDINARY

Essential and Ultimate travel insurance, designed for peace-of-mind travel,
allowing you to explore further or race harder.

Save 10% on travel insurance with the code SADDLESKEDADDLE

Why choose Bikmo Travel Insurance?

The cycle travel insurance you choose should let you explore with freedom.
1
Built to ride
We cover almost every type of riding so there’s options to cover your trip wherever and however you ride.
2
Great value
Great travel insurance should have comprehensive cover at a fair price. We work with our underwriters to create a cover for each riding style; you just choose the activity cover needed.
3
Driven by passion
We live to ride so we had to build cycle travel insurance that lived up to our passion. Match it up with a Bikmo Cycle Insurance policy for maximum cover.
1
Built to ride
We cover almost every type of riding so there’s options to cover your trip wherever and however you ride.
2
Great value
Great travel insurance should have comprehensive cover at a fair price. We work with our underwriters to create a cover for each riding style; you just choose the activity cover needed.
3
Driven by passion
We live to ride so we had to build cycle travel insurance that lived up to our passion. Match it up with a Bikmo Cycle Insurance policy for maximum cover.
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Travel

ESSENTIAL

Insurance built for cycling holidays of all kinds. No competitions or racing, up to 2,500m above sea level.
Essential
Travel

ULTIMATE

Insurance with options for escorted cycling trips, those cycling between 2,500m and 5000m, and activities with a little more adventure.
Ultimate

Which policy is for me?

ESSENTIAL
ULTIMATE

Which policy is for me?

Road cycling holidays
Gravel riding holidays
Leisure cycling holidays
Mountain biking holidays
Cycling adventure holidays
Family cycling holidays
Tailor made cycling trips

ESSENTIAL

No racing or competitions. All protective clothing (e.g. helmet) must be worn. Up to 2,500 metres above sea level.
Road cycling holidays
If below 2500 metres, such as Dolomiti Discoverer
Gravel riding holidays
If below 2500 metres, such as Strade Bianche Explorer
Leisure cycling holidays
If below 2500 metres, such as Vienna to Budapest
Mountain biking holidays
If below 2500 metres, such as Sensational Sierra Nevada
Cycling adventure holidays
If below 2500 metres, such as Vietnam – Mountains and Coast
Family cycling holidays
If below 2500 metres, such as The Danube Cyclepath
Tailor made cycling trips
If below 2500 metres
Find out more

ULTIMATE

Insurance built for those cycling above 2,500m, or competing. No cover for Personal Liability available, beyond recreational Cycling and Mountain Biking.
Road cycling holidays
If above 2500 metres, such as France – Mont Ventoux to Alpe d’Huez
Gravel riding holidays
If above 2500 metres
Leisure cycling holidays
If above 2500 metres
Mountain biking holidays
If above 2500 metres, such as Peru – Andean Journey
Cycling adventure holidays
If above 2500 metres, such as Mongolia – Route of the Nomads
Family cycling holidays
If above 2500 metres, such as Morocco – Desert, Mountains and Coast
Tailor made cycling trips
If above 2500 metres
Find out more

Cover limits applied per insured, person per trip and Excess charges applied per person, per claim.
See above Essential and Ultimate pages for specific policy benefits and documentation.

Travel insurance FAQs

What’s different between a Bikmo Travel policy and a Bikmo Cycle policy?

Whenever you travel abroad, there are certain scenarios that you may require cover for, such as:

  • Travel delays & cancellations
  • Lost baggage, passport & money
  • Medical treatment & hospital stays

You may also be considering taking part in adventurous activities that are more risky than just relaxing by the pool, such as:

  • Marathon running
  • “Casual” running
  • Cycling
  • Hill walking
  • Skiing

With a Bikmo Travel Insurance policy, should something happen and you require medical treatment after taking part in an included activity, then you would be covered for associated medical costs up to the insured value.

Now, if you were to take your own bike with you on holiday, this is where the Bikmo Cycle Insurance policy provides cover.

If you were to have a fall on a tricky descent and you damaged your wheels, shifters, saddle, shorts and helmet, you would have the following cover:

  • Accidental damage to the bike
  • Accidental damage to clothing
  • Alternative cycle hire

Provided your road rash isn’t too sore, this would allow you to hire a bike to continue exploring, and then claim for damage to your own bike & kit when you return.

Bikmo Cycle Insurance
What’s the main difference between Essential cycling and Ultimate cycling policies?

In addition to the travel-related benefits, depending on the type of riding you’re taking part in will depend on the cover you need.

Racing your bike is much higher risk than a leisurely ride to explore your resort or a MTB ride along the coastal path, which is why we have a policy available for both.

So, to ensure that you have the cover you need for the level of adventurous cycling activity you’re planning, here’s which cycling activities are covered.

Essential policy

  • Cycling – No competitions or racing (helmet required).
  • Mountain Biking – No competitions or racing (helmet required), up to 2,500m above sea level.

Ultimate policy

  • Cycling – Road, TT and track competitions & races, above 2,500m.
  • Cyclocross – Racing, above 2,500m.
  • Duathlon
  • Triathlon (inc Ironman).
  • Mountain Biking – Competitions & races on designated tracks. Up to 5,380m above sea level.
  • BMX – Racing and training.

Get in touch

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

Call us: 01244 470 337
Email us: support@bikmo.com

You can also check out our FAQs below.
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