Bikmo Road Cycle Insurance - Mobile Bikmo Road Cycle Insurance - Tablet Bikmo Road Cycle Insurance

ROAD PROTECTION
BUILT TO EXPLORE

Road bike insurance you can trust, built for epic hillclimbs and technical descents. Comprehensive road cycling cover from only £3.73/month.

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Why Bikmo for your Road Bike insurance?

1
Designed for tarmac
Comprehensive cover for riders of the road, including your clothing, helmet and accessories. All riding types covered. Pay monthly with 0% interest.
2
Super Simple
2 minutes to purchase and 24/7 access to your cloud account to make adjustments for new bikes, upgrades, claims and profile updates.
3
Built by riders
We’re committed to protecting the worlds’ riders. Every time you pick up the phone, drop us a message or see us at an event you’ll speak to people who ride.
1
Designed for tarmac
Comprehensive cover for riders of the road, including your clothing, helmet and accessories. All riding types covered. Pay monthly with 0% interest.
2
Super Simple
2 minutes to purchase and 24/7 access to your cloud account to make adjustments for new bikes, upgrades, claims and profile updates.
3
Built by riders
We’re committed to protecting the worlds’ riders. Every time you pick up the phone, drop us a message or see us at an event you’ll speak to people who ride.

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

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

Road Cycle Insurance – FAQs

I have 3 bikes – can I cover them under one policy?

Yes – we’re riders who suffer from n+1 syndrome, so our Road Cycle Insurance policy was built to be great value whether you have 1 or 10 bikes in your garage.

You even get up to a 50% multi-bike discount when you insure multiple bikes but leave some of their value at home.

You only need one policy for your whole household to cover all your bikes.

Full Road policy benefits
Can you cover my bike on a training camp in Tenerife?

Your Bikmo Road Cycle Insurance policy covers you 365 days worldwide, which includes any spring training camps to avoid British winter weather.

You don’t even need to let us know, just enjoy the sun and get the miles in.

We even cover your bikes and kit in transit. If an airline trashes your bike before you get there, you’ve peace of mind with our alternative cycle hire benefit too.

Check out Bikmo Travel for extended travel insurance benefits during your trip.

Bikmo Travel Insurance
I own a lot of expensive bike accessories and clothing – are they covered?

With your Bikmo Road Cycle Insurance you get £250 or 10% of your total sum insured towards clothing and kit.

So, if you insure £3,000 bikes, you get £300 cover for clothing and helmets, plus a further £300 towards accessories.

Almost enough for that Rapha jacket then!

Full Road policy benefits
I’m riding a sportive in the Lake District – do I need extra cover?

Nope. All Bikmo Road Cycle insurance policies cover you for sportives as standard, allowing you to focus on reaching the next feed station with peace of mind.

You can even activate your ‘Returning home’ cover of up to £150 if you have an incident during the sportive and your bike is damaged.

It’s only if you ride circuit races, road races or criteriums that you need our RACE policy.

Also check out and join our Strava Club where you can share your activities and events.

Bikmo Strava club
Do I need to take a lock with me on my Sunday ride? I’m worried about what happens when I have a coffee stop.

Firstly, and most importantly, if you leave your bike unattended and it’s not locked, you will not be covered under our Road Cycle Insurance policy.

We appreciate that there are times when, as cyclists, we’re tempted to just pop into a cafe or shop to refuel during a long ride as it’ll only take a minute.

Sadly, it only takes a minute for someone to steal your bike too. So, it’s essential that you either get your riding partner to mind it or lock it up!

Bikmo's bike locking guide
How do you compare against other insurers?

We recently ran some competitor analysis and on a combination of cover, price and rating we’re almost unbeatable.

But don’t take our work for it, check out our comparison table and read where we excel.

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Transparency is core to our mission of protecting the world’s cyclists and we believe riders should have all the facts at hand when deciding which insurer to protect them and their bikes.

Bikmo vs home insurance

One of the most frequent questions asked is “What’s the difference between cycle specific insurance, to just adding a bike onto your home insurance policy?”